St. Louis County property record for 3465 Evergreen Dr, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,984 sqft · built 2019 |
| Lot Size | 4.91 acres (214,152 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,972 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 485-0015-00030 |
| Primary APN | 485-0015-00030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,984 sqft Gross Area |
| 1st Floor Area | 2,112 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 214,152 sqft (4.91 acres) |
| Garage Area | 624 sqft |
| Deck Area | 112 sqft |
| Patio Area | 260 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1096007 |
|---|---|
| Street Address | 3465 EVERGREEN DR |
| City | DULUTH |
| State | MN |
| Zip | 55803-2656 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLOCK 1 SERIAL # |
| Legal Subdivision | NORMANNA TREEFARM ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | NORMANNA |
| Census Block Group | 1 |
| Census Block | 1088 |
| Census Tract | 10601 |
3465 Evergreen Dr is owned and occupied by an individual who acquired it in April 2020.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3465 EVERGREEN DR, DULUTH, MN 55803-2656 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust, Mortgage · Line of Credit BELL BANK |
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Apr 21, 2020 | Warranty Deed, Construction Loan · Construction Mortgage NORTH SHORE BK/COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 14, 2020 |
| Transfer Doc | 0001377708 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 28, 2026 |
| Property Address | 3465 EVERGREEN DR, DULUTH, MN 55803-2656 |
| Document Number | 0001531517 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20261531517 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3465 EVERGREEN DR, DULUTH, MN 55803-2656 |
| Document Number | 0001531517, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 20261531517 |
| Name | BELL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 6, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3465 EVERGREEN DR, DULUTH, MN 55803-2656 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001415107 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 1415107 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 21, 2020 |
| Property Address | 3465 EVERGREEN DR, DULUTH, MN 55803-2656 |
| Document Number | 00A1377708 |
| Instrument Date | Apr 14, 2020 |
| Instrument | A1377708 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 15, 2020 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $2.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6677 SCHULTZ LAKE RD DULUTH MN 558039254, DULUTH, MN 55803-9254 |
| Document Number | A1377709 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | A1377709 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 20, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
The 2026 property tax bill for 3465 Evergreen Dr was $6,972, up 11.1% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Normanna Township |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,972.00 (+11.13%) | ||
| 2025 | $6,274.00 (-0.1%) | $646,100 (+13.65%) Land $75,300 Building $570,800 | $646,100 (+13.65%) Land $75,300 Building $570,800 |
| 2024 | $6,280.00 | $568,500 Land $66,500 Building $502,000 | $568,500 Land $66,500 Building $502,000 |
| 2022 | $557,600 Land $64,000 Building $493,600 | $557,600 Land $64,000 Building $493,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3465 Evergreen Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3465 Evergreen Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
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