St. Louis County property record for 3712 Minnesota Ave, Duluth, MN 55802
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.184 acres (7,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $440,000 (Aug 2026) |
| Tax Bill | $866 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3100-01910 |
| Primary APN | 010-3100-01910 |
|---|---|
| Alternative APN |
|
| Lot Area | 7,999 sqft (0.184 acres) |
|---|
| Heating Fuel | Gas |
|---|
| Account Number | 98299 |
|---|---|
| Street Address | 3712 MINNESOTA AVE |
| City | DULUTH |
| State | MN |
| Zip | 55802-2543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 365 & 367 SERIAL # |
| Legal Subdivision | LOWER DULUTH LAKE AVE |
| Legal Lot Number | 365,3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2200 |
Source: St. Louis County records, as of September 14, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 712 1ST ST S, STILLWATER, MN 55082-5801 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 28, 2026 | Personal Representative Deed, Transfer · Conventional Mortgage BELL BANK |
| Aug 19, 2026 | Re-recorded Document · Conventional Mortgage BELL BANK |
| Dec 22, 2021 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Dec 27, 2021 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2026 · Amount on Record |
| Deed Sale | Aug 19, 2026 · Amount on Record |
| Prior Sale | Jul 28, 2026 · Amount on Record |
| Deed Document Number | 20261538648 |
| Record Updated | Oct 29, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 28, 2026 |
| Property Address | 3712 MINNESOTA AVE, DULUTH, MN 55802-2543 |
| Document Number | 0001104062 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 20261104062 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2026 |
| Title Company | NORTHEAST TITLE COMPANY, NORTHEAST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146,652.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 712 1ST ST S, STILLWATER, MN 55082-5801 |
| Document Number | 0001104063, |
|---|---|
| Date | Jul 28, 2026 |
| Instrument | 20261104063 |
| Name | BELL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 19, 2026 |
| Property Address | 3712 MINNESOTA AVE, DULUTH, MN 55802-2543 |
| Document Number | 0001538648 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 20261538648 |
| Record Updated | Sep 1, 2026 |
| Title Company | NORTHEAST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146,652.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 712 1ST ST S, STILLWATER, MN 55082-5801 |
| Document Number | 0001538649, |
|---|---|
| Date | Aug 19, 2026 |
| Instrument | 20261538649 |
| Name | BELL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3712 MINNESOTA AVE, DULUTH, MN 55802-2543 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001051280 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 1051280 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 2, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3712 MINNESOTA AVE, DULUTH, MN 55802-2543 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001433542 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 1433542 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 2, 2032 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $866.00 | ||
| 2025 | $866.00 (+69.14%) Homeowner's exemption | $64,900 (+2.2%) Land $64,900 | $64,900 (+2.2%) Land $64,900 |
| 2024 | $512.00 | $63,500 (+106.84%) Land $63,500 | $63,500 (+106.84%) Land $63,500 |
| 2022 | $30,700 Land $30,700 | $30,700 Land $30,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 5 (1986–2019) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Oct 2019 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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