3688 Cooper Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3688 Cooper Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,984 sqft · built 1994
Lot Size	16.3 acres (711,409 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,050 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`520-0062-00010`

Property Details

APN / Parcel Number

Primary APN	`520-0062-00010`
Alternative APN	`64694`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,984 sqft Gross Area
1st Floor Area	1,264 sqft
Basement Area	632 sqft
Finished Basement	632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Lot Area	711,409 sqft (16.3 acres)
Garage Area	720 sqft

Exterior Amenities

Porch	Slab
Porch Area	185 sqft
Deck Area	84 sqft
Storage Building	180 sqft
Pole Barn	1,080 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	64694
Street Address	3688 COOPER RD
City	DULUTH
State	MN
Zip	55803-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	LOTS 1 THRU 18 SERIAL #
Legal Subdivision	BOB DAUGAARDS OF AMITY VALLEY
Legal Block	1
Legal Lot Number	1-18
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1024
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0062-00010

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3688 COOPER RD, DULUTH, MN 55803-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Jul 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3688 COOPER RD, DULUTH, MN 55803-1110
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3688 COOPER RD, DULUTH, MN 55803-1110

Mortgage

Document Number	0001060196
Date	Aug 18, 2022
Instrument	1060196

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3688 COOPER RD, DULUTH, MN 55803-1110
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036880
Date	Feb 23, 2021
Instrument	1036880

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3688 COOPER RD, DULUTH, MN 55803-1110
Document Number	00T1015714
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3688 COOPER RD DULUTH MN 558031110, DULUTH, MN 55803-1110

Mortgage

Document Number	00T1015714
Date	Oct 02, 2019
Instrument	T1015714

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 01, 2029

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3688 COOPER RD, DULUTH, MN 55803-1110
Document Number	00T1012709
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 07, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3688 COOPER RD DULUTH MN 558031110, DULUTH, MN 55803-1110

Mortgage

Document Number	00T1012709
Date	Jul 22, 2019
Instrument	T1012709

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 21, 2034

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,050.00 (+3.77%) Homeowner's exemption
2025	$6,794.00 (+5.11%) Homeowner's exemption	$524,200 (+0.17%) Land $121,700 Building $402,500	$524,200 (+0.17%) Land $121,700 Building $402,500
2024	$6,464.00	$523,300 (+24.89%) Land $120,800 Building $402,500	$523,300 (+24.89%) Land $120,800 Building $402,500
2022		$419,000 Land $114,300 Building $304,700	$419,000 Land $114,300 Building $304,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	3 in force
Nearby Flood Claims	4 (1991–2001)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 23 locations within half a mile of this property.

Nearby Properties on Cooper Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures