3703 W 2nd St, Duluth, MN 55807 Property Records

St. Louis County property record for 3703 W 2nd St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,632 sqft · built 1923
Lot Size	0.379 acres (16,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2025)
Tax Bill	$4,124 (2026)
Deeds & Mortgages	Sep 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`010-3230-00870`

Property Details

APN / Parcel Number

Primary APN	`010-3230-00870`
Alternative APNs	`1185293` `36352`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,632 sqft Gross Area
1st Floor Area	888 sqft
Basement Area	744 sqft
Finished Basement	744 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	16,520 sqft (0.379 acres)
Garage Area	672 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	25 sqft
Gazebo	72 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1185293
Street Address	3703 W 2ND ST
City	DULUTH
State	MN
Zip	55807-2810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 12 THROUGH 18, BLOCK 7 SERIAL #
Legal Subdivision	MERRITTS ADD TO DULUTH
Legal Block	7
Legal Lot Number	12-18
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 18, 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 Record
Mailing Address	3703 W 2ND ST, DULUTH, MN 55807-2810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2025 · Amount on Record
Deed Sale	Jul 24, 2025 · Amount on Record
Deed Document Number	20251514468
Prior Transfer Date	Jul 17, 2023
Prior Transfer Doc	0001470076
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3703 W 2ND ST, DULUTH, MN 55807-2810
Document Number	00A1341443
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3703 W 2ND ST DULUTH MN 558072810, DULUTH, MN 55807-2810

Mortgage

Document Number	00A1341443
Date	Sep 25, 2018
Instrument	A1341443

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 24, 2033

Interest

Rate Type	Adjustable Rate
Rate	5.75%

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	$4,124.00 (+0.15%) Homeowner's exemption
2025	$4,118.00 (+13.63%) Homeowner's exemption	$337,800 (+6.9%) Land $32,700 Building $305,100	$337,800 (+6.9%) Land $32,700 Building $305,100
2024	$3,624.00	$316,000 (+33.11%) Land $35,000 Building $281,000	$316,000 (+33.11%) Land $35,000 Building $281,000
2022		$237,400 Land $30,700 Building $206,700	$237,400 Land $30,700 Building $206,700

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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