3710 N Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 3710 N Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,115 sqft · built 2004
Lot Size	0.251 acres (10,963 sqft)
Owner	2 Individual Names on File
Last Sale	$1,080,000 (Jun 2025)
Tax Bill	$13,526 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00152`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00152`
Alternative APNs	`1106011` `1183746`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,115 sqft Gross Area
1st Floor Area	2,105 sqft
Basement Area	1,783 sqft
Finished Basement	1,783 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Lot Area	10,963 sqft (0.251 acres)
Garage Area	734 sqft

Exterior Amenities

Porch	Slab
Porch Area	63 sqft
Deck Area	224 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1183746
Street Address	3710 N RIDGE RD
City	DULUTH
State	MN
Zip	55804-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 2 EX THAT PART BEG AT SE COR OF LOT3 THENCE N16DEG15'00"W 3.10 FT ALONG E LINETHENCE S77DEG56'59"W 71.44 FT TO
Legal Subdivision	NORTHLAND ESTATES
Legal Block	2
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3006
Census Tract	600

Owner

3710 N Ridge Rd is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3710 N RIDGE RD, DULUTH, MN 55804-1429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Mar 18, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage CONGRESSIONAL BK
Jul 10, 2019	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Jul 10, 2017	Grant Deed, Transfer · Conventional Mortgage CONGRESSIONAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on File
Deed Sale	Jun 18, 2025 · Amount on File
Prior Sale	Mar 18, 2021 · Amount on File
Deed Document Number	20251091184
Prior Transfer Date	May 16, 2023
Prior Transfer Doc	0001068386
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Mar 18, 2021
Property Address	3710 N RIDGE RD, DULUTH, MN 55804-1429
Document Number	0001037983
Instrument Date	Feb 1, 2021
Instrument	1037983
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3710 N RIDGE RD, DULUTH, MN 55804-1429

Mortgage

Document Number	0001037984
Date	Mar 18, 2021
Instrument	1037984

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3710 N RIDGE RD, DULUTH, MN 55804-1429
Document Number	00T1015999
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3710 N RIDGE RD DULUTH MN 558041429, DULUTH, MN 55804-1429

Mortgage

Document Number	00T1015999
Date	Oct 9, 2019
Instrument	T1015999

Lender

Name	CONGRESSIONAL BK
Type	Bank
Address	BETHESDA, MD 20817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 8, 2039

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3710 N RIDGE RD, DULUTH, MN 55804-1429
Document Number	00T1012558
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3710 N RIDGE RD DULUTH MN 558041429, DULUTH, MN 55804-1429

Mortgage

Document Number	00T1012558
Date	Jul 17, 2019
Instrument	T1012558

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 16, 2034

Interest

Rate Type	Adjustable Rate

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 10, 2017
Property Address	3710 N RIDGE RD, DULUTH, MN 55804-1429
Document Number	000T986931
Instrument Date	Jun 26, 2017
Instrument	T986931
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,848.00
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	3710 N RIDGE RD DULUTH MN 558041429, DULUTH, MN 55804-1429

Mortgage

Document Number	T986932
Date	Jul 10, 2017
Instrument	T986932

Lender

Name	CONGRESSIONAL BK
Type	Bank
Address	BETHESDA, MD 20817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3710 N Ridge Rd was $13,526 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	$13,526.00 (+8.09%) Homeowner's exemption
2025	$12,514.00 (+16.65%) Homeowner's exemption	$921,900 (+9.88%) Land $61,700 Building $860,200	$921,900 (+9.88%) Land $61,700 Building $860,200
2024	$10,728.00	$839,000 Land $61,700 Building $777,300	$839,000 Land $61,700 Building $777,300
2022		$720,200 Land $34,800 Building $685,400	$720,200 Land $34,800 Building $685,400

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

Flood

FEMA maps place 3710 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 3710 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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