3565 Needle Ln, Duluth, MN 55803 Property Records

St. Louis County property record for 3565 Needle Ln, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,496 sqft · built 2014
Lot Size	0.761 acres (33,170 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Sep 2014)
Tax Bill	$130 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`375-0120-00190`

Property Details

APN / Parcel Number

Primary APN	`375-0120-00190`
Alternative APN	`975411`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,496 sqft Gross Area
1st Floor Area	1,496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Logs
Construction Type	Frame
Lot Area	33,170 sqft (0.761 acres)
Garage Area	864 sqft

Exterior Amenities

Porch	Porch
Porch Area	396 sqft
Deck Area	Deck Area
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	975411
Street Address	3565 NEEDLE LN
City	DULUTH
State	MN
Zip	55803-9204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT: 0019 BLOCK:000 SERIAL #
Legal Subdivision	THOMPSON LAKE ADD TOWN OF GNES
Legal Lot Number	19
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	1
Census Block	1066
Census Tract	10601

Owner

Source: St. Louis County records, as of August 17, 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	3565 NEEDLE LN, DULUTH, MN 55803-9204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FEDERAL CREDIT UNION
Apr 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Dec 20, 2018	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2014 · Amount on Record
Deed Sale	Sep 4, 2014 · Amount on Record
Deed Document Number	20141244955
Prior Transfer Date	Aug 13, 2010
Prior Transfer Doc	0001142188
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 30, 2026
Property Address	3565 NEEDLE LN, DULUTH, MN 55803-9204
Document Number	0001535248
Instrument Date	Jun 1, 2026
Instrument	20261535248
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3565 NEEDLE LN, DULUTH, MN 55803-9204

Mortgage

Document Number	0001535248,
Date	Jun 30, 2026
Instrument	20261535248

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2041

Interest

Rate Type	Fixed Rate
Rate	5.64%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3565 NEEDLE LN, DULUTH, MN 55803-9204
Transaction Type	Mortgage
Record Updated	May 18, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001441528
Date	Apr 21, 2022
Instrument	1441528

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3565 NEEDLE LN, DULUTH, MN 55803-9204
Document Number	0001347236
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3565 NEEDLE LN DULUTH MN 558039204, DULUTH, MN 55803-9204

Mortgage

Document Number	0001347236
Date	Dec 27, 2018
Instrument	1347236

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2033

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	Gnesen Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$130.00 (-95.32%) Homeowner's exemption
2025	$2,778.00 (+3.5%) Homeowner's exemption	$343,300 (+21.01%) Land $69,900 Building $273,400	$343,300 (+21.01%) Land $69,900 Building $273,400
2024	$2,684.00	$283,700 (+14.63%) Land $58,500 Building $225,200	$283,700 (+14.63%) Land $58,500 Building $225,200
2022		$247,500 Land $52,000 Building $195,500	$247,500 Land $52,000 Building $195,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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