3603 95th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 3603 95th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,494 sqft · built 1957
Lot Size	0.239 acres (10,435 sqft)
Owner	Individual Name on File
Last Sale	$246,000 (Aug 2018)
Tax Bill	$4,432 (2026)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4060-01680`

Property Details

APN / Parcel Number

Primary APN	`010-4060-01680`
Alternative APN	`1056762`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,494 sqft Gross Area
1st Floor Area	1,494 sqft
Basement Area	1,344 sqft
Finished Basement	1,344 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	10,435 sqft (0.239 acres)
Garage Area	832 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	128 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1056762
Street Address	3603 95TH AVE W
City	DULUTH
State	MN
Zip	55808-1233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 22 23 AND 24 SERIAL #
Legal Subdivision	SPIRIT LAKE ADD TO DULUTH
Legal Block	14
Legal Lot Number	22-23
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1029
Census Tract	3600

Owner

3603 95th Ave W is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3603 95TH AVE W, DULUTH, MN 55808-1233
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2018 · Amount on File
Deed Sale	Aug 23, 2018 · Amount on File
Deed Document Number	20181339260
Prior Transfer Date	Dec 2, 2011
Prior Transfer Doc	0000075720
Record Updated	Sep 20, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 23, 2018
Property Address	3603 95TH AVE W, DULUTH, MN 55808-1233
Document Number	00A1339260
Instrument Date	Aug 23, 2018
Instrument	A1339260
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$811.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3603 95TH AVE W DULUTH MN 558081233, DULUTH, MN 55808-1233

Mortgage

Document Number	A1339261
Date	Aug 23, 2018
Instrument	A1339261

Lender

Name	PARK ST BK
Type	Bank
Address	DULUTH, MN 55806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 22, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.37%

Tax Assessment & Valuation

The 2026 property tax bill for 3603 95th Ave W was $4,432 with a homeowner's exemption, down 0.3% from the year before.

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	$4,432.00 (-0.27%) Homeowner's exemption
2025	$4,444.00 (-5.45%) Homeowner's exemption	$360,200 (+6.54%) Land $18,600 Building $341,600	$360,200 (+6.54%) Land $18,600 Building $341,600
2024	$4,700.00	$338,100 Land $21,800 Building $316,300	$338,100 Land $21,800 Building $316,300
2022		$276,500 Land $20,300 Building $256,200	$276,500 Land $20,300 Building $256,200

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

Flood

FEMA maps place 3603 95th Ave W in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3603 95th Ave W 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.

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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Airfiber Fixed Wireless	100 / 20