3523 Chambersburg Ave, Duluth, MN 55811 Property Records

St. Louis County property record for 3523 Chambersburg Ave, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,148 sqft · built 2023
Lot Size	0.232 acres (10,136 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Jul 2023)
Tax Bill	$6,498 (2026)
Deeds & Mortgages	Aug 2023 Construction Loan Apr 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2865-00150`

Property Details

APN / Parcel Number

Primary APN	`010-2865-00150`
Alternative APNs	`1102732` `1177878`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,148 sqft Gross Area
1st Floor Area	2,148 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,136 sqft (0.232 acres)
Garage Area	1,336 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1177878
Street Address	3523 CHAMBERSBURG AVE
City	DULUTH
State	MN
Zip	55811-3046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7, 8 AND 9, BLOCK 2, EXCEPT THOSE PARTSOF LOTS 7 AND 8, BLOCK 2, DESCRIBED ASFOLLOWS: BEGINNING AT THE NORTHEAST CORNER
Legal Subdivision	LEVI ACRES
Legal Block	2
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4000
Census Tract	2300

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	Individual Name on Record
Mailing Address	3523 CHAMBERSBURG AVE, DULUTH, MN 55811-3046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Construction Mortgage NORTH SHORE BANK OF COMMERCE
Apr 11, 2023	Warranty Deed, Transfer
Jan 4, 2021	Warranty Deed, Transfer NORTH SHORE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2023 · Amount on Record
Deed Sale	Jul 19, 2023 · Amount on Record
Prior Sale	Apr 11, 2023 · Amount on Record
Deed Document Number	20231470291
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3523 CHAMBERSBURG AVE, DULUTH, MN 55811-3046
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3521 CHAMBERSBURG AVE, DULUTH, MN 55811-3046

Mortgage

Document Number	0001473230
Date	Aug 31, 2023
Instrument	1473230

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.85%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	3.85%
Max Rate At Change	7.85%
Index	1-Year T-Bill
Max Rate	10.8%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 11, 2023
Property Address	3523 CHAMBERSBURG AVE, DULUTH, MN 55811-3046
Document Number	0001464680
Instrument Date	Apr 4, 2023
Instrument	1464680
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Tax	$37.54
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3601 CHAMBERSBURG AVE, DULUTH, MN 55811-3002

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 4, 2021
Property Address	MN
Document Number	00A1400099
Instrument Date	Dec 29, 2020
Instrument	A1400099
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$215.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3521 CHAMBERSBURG AVE DULUTH MN 558113046, DULUTH, MN 55811-3046

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,498.00 (+95.84%)
2025	$3,318.00 (+203.29%)	$589,800 (+144.63%) Land $44,100 Building $545,700	$589,800 (+144.63%) Land $44,100 Building $545,700
2024	$1,094.00	$241,100 (+332.85%) Land $57,000 Building $184,100	$241,100 (+332.85%) Land $57,000 Building $184,100
2022		$55,700 Land $55,700	$55,700 Land $55,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Airfiber.

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