3714 N Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 3714 N Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,962 sqft · built 2007
Lot Size	0.258 acres (11,239 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Aug 2022)
Tax Bill	$17,672 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00160`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00160`
Alternative APN	`1042583`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,962 sqft Gross Area
1st Floor Area	2,171 sqft
Basement Area	1,221 sqft
Finished Basement	1,221 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Metal
Construction Type	Frame
Lot Area	11,239 sqft (0.258 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	260 sqft
Storage Building	200 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1042583
Street Address	3714 N RIDGE RD
City	DULUTH
State	MN
Zip	55804-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EX BEG AT SW COR OF LOT 4 THENCE N16DEG15'00W 3.10 FT ALONG W LINE THENCE N77DEG56'59"E29.15 FT TO A PROLONGATION OF THE LINE
Legal Subdivision	NORTHLAND ESTATES
Legal Block	2
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3006
Census Tract	600

Owner

3714 N Ridge Rd is owned by an individual who bought it in August 2022.

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	715 S 59TH AVE W, DULUTH, MN 55807-2693
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 23, 2017	Deed of Trust, Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Prior Sale	Jul 24, 2007 · Amount on File
Deed Document Number	20221059647
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3714 N RIDGE RD, DULUTH, MN 55804-1429
Transaction Type	Mortgage
Record Updated	May 1, 2024
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001078091
Date	Apr 1, 2024
Instrument	1078091

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	355 Months
Due	Nov 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3714 N RIDGE RD, DULUTH, MN 55804-1429
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001044954
Date	Aug 10, 2021
Instrument	1044954

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	May 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3714 N RIDGE RD, DULUTH, MN 55804-1429
Document Number	000T990088
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3714 N RIDGE RD DULUTH MN 55804, DULUTH, MN 55804

Mortgage

Document Number	000T990088
Date	Sep 25, 2017
Instrument	T990088

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3714 N Ridge Rd was $17,672, up 8% 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	$17,672.00 (+7.98%)
2025	$16,366.00 (+3.39%)	$1,180,300 (+10.35%) Land $70,200 Building $1,110,100	$1,180,300 (+10.35%) Land $70,200 Building $1,110,100
2024	$15,830.00	$1,069,600 Land $70,200 Building $999,400	$1,069,600 Land $70,200 Building $999,400
2022		$1,008,600 Land $55,400 Building $953,200	$1,008,600 Land $55,400 Building $953,200

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

Flood

FEMA maps place 3714 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 3714 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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