3624 W 2nd St, Duluth, MN 55807 Property Records

St. Louis County property record for 3624 W 2nd St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,255 sqft · built 1899
Lot Size	0.084 acres (3,678 sqft)
Owner	Individual Name on Record
Tax Bill	$2,330 (2026)
Deeds & Mortgages	May 2020 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`010-3230-01180`

Property Details

APN / Parcel Number

Primary APN	`010-3230-01180`
Alternative APN	`546235`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,255 sqft Gross Area
1st Floor Area	1,042 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	3,678 sqft (0.084 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	140 sqft
Deck Area	24 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	546235
Street Address	3624 W 2ND ST
City	DULUTH
State	MN
Zip	55807-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8 AND 9 SERIAL #
Legal Subdivision	MERRITTS ADDITION TO DULUTH
Legal Block	9
Legal Lot Number	8-9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2005
Census Tract	15800

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	3624 W 2ND ST, DULUTH, MN 55807-2809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Sep 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 18, 2002
Transfer Doc	0000853910
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3624 W 2ND ST, DULUTH, MN 55807-2809
Document Number	00A1380637
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3624 W 2ND ST DULUTH MN 558072809, DULUTH, MN 55807-2809

Mortgage

Document Number	00A1380637
Date	May 22, 2020
Instrument	A1380637

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3624 W 2ND ST, DULUTH, MN 55807-2809
Document Number	00A1318269
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	PILLAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3624 W 2ND ST DULUTH MN 558072809, DULUTH, MN 55807-2809

Mortgage

Document Number	00A1318269
Date	Sep 26, 2017
Instrument	A1318269

Lender

Name	FRANKLIN AMERICAN MTG
Type	Mortgage Company
Address	IRVING, TX 75039

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

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	$2,330.00 (+0.6%) Homeowner's exemption
2025	$2,316.00 (+1.22%) Homeowner's exemption	$209,500 (+8.1%) Land $9,500 Building $200,000	$209,500 (+8.1%) Land $9,500 Building $200,000
2024	$2,288.00	$193,800 (-5.97%) Land $10,100 Building $183,700	$193,800 (-5.97%) Land $10,100 Building $183,700
2022		$206,100 Land $10,400 Building $195,700	$206,100 Land $10,400 Building $195,700

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1988–2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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 95% of the US · lower than 84% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Airfiber Fixed Wireless	100 / 20

May also be available: CenturyLink, Spectrum, Verizon.

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