3715 N Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 3715 N Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,354 sqft · built 2004
Lot Size	0.353 acres (15,387 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Jun 2021)
Tax Bill	$14,728 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00260`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00260`
Alternative APN	`1111634`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,354 sqft Gross Area
1st Floor Area	2,354 sqft
Basement Area	1,250 sqft
Finished Basement	1,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Lot Area	15,387 sqft (0.353 acres)
Garage Area	900 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	32 sqft
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1111634
Street Address	3715 N RIDGE RD
City	DULUTH
State	MN
Zip	55804-1481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:003 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	3
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3000
Census Tract	600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3715 N RIDGE RD, DULUTH, MN 55804-1481
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jul 6, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Sep 8, 2004 · Amount on Record
Deed Document Number	20211042725
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 24, 2021
Property Address	3715 N RIDGE RD, DULUTH, MN 55804-1481
Document Number	0001042725
Instrument Date	Jun 14, 2021
Instrument	1042725
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3715 N RIDGE RD, DULUTH, MN 55804-1481

Mortgage

Document Number	0001042726
Date	Jun 24, 2021
Instrument	1042726

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 6, 2017
Property Address	3715 N RIDGE RD, DULUTH, MN 55804-1481
Document Number	000T986831
Instrument Date	Jun 9, 2017
Instrument	T986831
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,551.00
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	3715 N RIDGE RD DULUTH MN 558041481, DULUTH, MN 55804-1481

Mortgage

Document Number	T986832
Date	Jul 6, 2017
Instrument	T986832

Lender

Name	WELLS FARGO BK
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

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	$14,728.00 (+8.77%) Homeowner's exemption
2025	$13,540.00 (+10.87%) Homeowner's exemption	$995,700 (+10.57%) Land $125,300 Building $870,400	$995,700 (+10.57%) Land $125,300 Building $870,400
2024	$12,212.00	$900,500 (+12.76%) Land $125,300 Building $775,200	$900,500 (+12.76%) Land $125,300 Building $775,200
2022		$798,600 Land $84,800 Building $713,800	$798,600 Land $84,800 Building $713,800

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 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

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.

Nearby Properties on N Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures