St. Louis County property record for 3540 Minnesota Ave, Duluth, MN 55802
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 768 sqft · built 1896 |
| Lot Size | 0.091 acres (4,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Jun 2020) |
| Tax Bill | $5,552 (2026) |
| Deeds & Mortgages | Nov 2018 Line of Credit Jun 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3110-03820 |
| Primary APN | 010-3110-03820 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Gross Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 384 sqft |
| Finished Basement | 384 sqft |
| Year Built | Built 1896 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Bungalow |
| Exterior Material | Block |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 4,001 sqft (0.091 acres) |
| Garage Area | 792 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1091787 |
|---|---|
| Street Address | 3540 MINNESOTA AVE |
| City | DULUTH |
| State | MN |
| Zip | 55802-2539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 340; INCLUDING THAT PART OF THESOUTHEASTERLY 5.00 FEET OF LOT 337 AND THATPART OF LOT 339, LYING SOUTHWESTERLY OF |
| Legal Subdivision | LOWER DULUTH MINNESOTA AVE |
| Legal Lot Number | 340 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2200 |
3540 Minnesota Ave is owned and occupied by an individual who bought it in June 2020.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3540 MINNESOTA AVE, DULUTH, MN 55802-2539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 21, 2018 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Jun 30, 2020 | Warranty Deed, Transfer NORTH SHORE TITLE |
| Feb 23, 2018 | Deed of Trust, Mortgage · Line of Credit HARBOR PT CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2020 · Amount on File |
| Deed Sale | Jun 30, 2020 · Amount on File |
| Deed Document Number | 20201384030 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3540 MINNESOTA AVE, DULUTH, MN 55802-2539 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001345211 |
|---|---|
| Date | Nov 21, 2018 |
| Instrument | 1345211 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 30, 2020 |
| Property Address | 3540 MINNESOTA AVE, DULUTH, MN 55802-2539 |
| Document Number | 00A1384030 |
| Instrument Date | Jun 22, 2020 |
| Instrument | A1384030 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,089.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3540 MINNESOTA AVE DULUTH MN 558022539, DULUTH, MN 55802-2539 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3540 MINNESOTA AVE, DULUTH, MN 55802-2539 |
| Document Number | 00A1328459 |
| Instrument Date | Feb 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 6520 FREDENBERG LAKE RD DULUTH MN 558039468, DULUTH, MN 55803-9468 |
| Document Number | 00A1328459 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | A1328459 |
| Name | HARBOR PT CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 27, 2033 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 3540 Minnesota Ave was $5,552, up 30.1% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,552.00 (+30.15%) | ||
| 2025 | $4,266.00 (+21.61%) | $413,400 (+33.14%) Land $126,600 Building $286,800 | $413,400 (+33.14%) Land $126,600 Building $286,800 |
| 2024 | $3,508.00 | $310,500 Land $123,700 Building $186,800 | $310,500 Land $123,700 Building $186,800 |
| 2022 | $210,200 Land $38,300 Building $171,900 | $210,200 Land $38,300 Building $171,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3540 Minnesota Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 5 (1986–2019) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Oct 2019 · river or lake flooding |
| Claims by Event |
|
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.
The area around 3540 Minnesota Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures