3706 N Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 3706 N Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.75 ba · 3,088 sqft · built 2003
Lot Size	0.248 acres (10,808 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Jul 2009)
Tax Bill	$14,504 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00140`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00140`
Alternative APN	`886024`

Interior

Bedrooms	4 Beds
Full Baths	3.75 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,088 sqft Gross Area
1st Floor Area	1,908 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	10,808 sqft (0.248 acres)
Garage Area	48 sqft

Exterior Amenities

Pool Area	740 sqft
Porch	Slab
Porch Area	160 sqft
Deck Area	32 sqft
Cabin	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	886024
Street Address	3706 N RIDGE RD
City	DULUTH
State	MN
Zip	55804-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0002 BLOCK:002 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	2
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3006
Census Tract	600

Owner

3706 N Ridge Rd is owned and occupied by an individual who bought it in July 2009.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3706 N RIDGE RD, DULUTH, MN 55804-1429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit BELL BANK
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2009 · Amount on File
Deed Sale	Jul 10, 2009 · Amount on File
Prior Sale	Jul 7, 2003 · Amount on File
Deed Document Number	2009871408
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3706 N RIDGE RD, DULUTH, MN 55804-1429
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3706 N RIDGE RD, DULUTH, MN 55804-1429

Mortgage

Document Number	0001094855
Date	Oct 3, 2025
Instrument	1094855

Lender

Name	BELL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Sep 18, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3706 N RIDGE RD, DULUTH, MN 55804-1429
Document Number	00T1028217
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3706 N RIDGE RD DULUTH MN 558041429, DULUTH, MN 55804-1429

Mortgage

Document Number	00T1028217
Date	Aug 31, 2020
Instrument	T1028217

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 30, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 3706 N Ridge Rd was $14,504 with a homeowner's exemption, up 8.1% 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	$14,504.00 (+8.13%) Homeowner's exemption
2025	$13,414.00 (+16.91%) Homeowner's exemption	$986,100 (+10.44%) Land $55,000 Building $931,100	$986,100 (+10.44%) Land $55,000 Building $931,100
2024	$11,474.00	$892,900 Land $55,000 Building $837,900	$892,900 Land $55,000 Building $837,900
2022		$755,800 Land $46,600 Building $709,200	$755,800 Land $46,600 Building $709,200

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

Flood

FEMA maps place 3706 N Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (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

Wildfire risk around 3706 N Ridge Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Verizon.

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