3470 Evergreen Dr, Duluth, MN 55803 Property Records

St. Louis County property record for 3470 Evergreen Dr, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,180 sqft · built 2024
Lot Size	5.25 acres (228,978 sqft)
Owner	2 Individual Names on Record
Last Sale	$30,000 (Aug 2024)
Tax Bill	$2,384 (2026)
Deeds & Mortgages	Feb 2026 Sale May 2025 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`485-0015-00040`

Property Details

APN / Parcel Number

Primary APN	`485-0015-00040`
Alternative APNs	`1194520` `1170117` `44845`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,180 sqft Living Area
1st Floor Area	1,172 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Wood
Lot Area	228,978 sqft
Garage Type	Attached
Garage Area	576 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1194520
Street Address	3470 EVERGREEN DR
City	DULUTH
State	MN
Zip	55803-2656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLOCK 1 SERIAL #
Legal Subdivision	NORMANNA TREEFARM ESTATES
Legal Block	1
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	NORMANNA
Census Block Group	1
Census Block	1088
Census Tract	10601

Owner

Source: St. Louis County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3470 EVERGREEN DR, DULUTH, MN 55803-2656
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM
May 30, 2025	Deed of Trust, Mortgage · Construction Mortgage NORTH SHORE BANK OF COMMERCE
Aug 16, 2024	Warranty Deed, Transfer · Construction Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Deed Document Number	20241493685
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 10, 2026
Property Address	3470 EVERGREEN DR, DULUTH, MN 55803-2656
Document Number	0001527699
Instrument Date	Jan 16, 2026
Instrument	1527699
Transaction Type	Transfer
Record Updated	Feb 26, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Tax	$1,600.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3470 EVERGREEN DR, DULUTH, MN 55803-2656

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3470 EVERGREEN DR, DULUTH, MN 55803-2656
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3588 JUTEN DR, DULUTH, MN 55803-9746

Mortgage

Document Number	0001511161
Date	May 30, 2025
Instrument	1511161

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Sep 1, 2025

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 16, 2024
Property Address	3470 EVERGREEN DR, DULUTH, MN 55803-2656
Document Number	0001493685
Instrument Date	Aug 16, 2024
Instrument	1493685
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount Recorded
Tax	$99.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3588 JUTEN DR, DULUTH, MN 55803-9746

Mortgage

Document Number	0001493686
Date	Aug 16, 2024
Instrument	1493686

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2025

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Normanna Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,384.00 (+1,854.1%)
2025	$122.00 (-1.61%)	$409,200 (+4,3%) Land $82,500 Building $326,700	$409,200 (+4,3%) Land $82,500 Building $326,700
2024	$124.00	$9,300 (+4.49%) Land $9,300	$9,300 (+4.49%) Land $9,300
2022		$8,900 Land $8,900	$8,900 Land $8,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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