3723 N Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 3723 N Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,775 sqft · built 1998
Lot Size	0.57 acres (24,851 sqft)
Owner	2 Individual Names on Record
Last Sale	$835,000 (Oct 2010)
Tax Bill	$20,508 (2026)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00300`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00300`
Alternative APN	`976889`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,775 sqft Gross Area
1st Floor Area	1,775 sqft
Basement Area	1,664 sqft
Finished Basement	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Lot Area	24,851 sqft (0.57 acres)
Garage Area	886 sqft
Deck Area	95 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Geothermal

Location & Zoning

Account Number	976889
Street Address	3723 N RIDGE RD
City	DULUTH
State	MN
Zip	55804-1481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0008 BLOCK:003 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	3
Legal Lot Number	8
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	2 Individual Names on Record
Mailing Address	130 W SUPERIOR ST, DULUTH, MN 55802-2032
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2010 · Amount on Record
Deed Sale	Oct 5, 2010 · Amount on Record
Deed Document Number	2010890489
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3723 N RIDGE RD, DULUTH, MN 55804-1481
Document Number	000T983209
Instrument Date	Feb 4, 2017
Transaction Type	Mortgage
Record Updated	Apr 5, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3723 N RIDGE RD DULUTH MN 558041481, DULUTH, MN 55804-1481

Mortgage

Document Number	000T983209
Date	Mar 22, 2017
Instrument	T983209

Lender

Name	US BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 21, 2032

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	$20,508.00 (+6.97%)
2025	$19,172.00 (+3%)	$1,340,500 (+8.31%) Land $309,200 Building $1,031,300	$1,340,500 (+8.31%) Land $309,200 Building $1,031,300
2024	$18,614.00	$1,237,600 (+3.67%) Land $309,200 Building $928,400	$1,237,600 (+3.67%) Land $309,200 Building $928,400
2022		$1,193,800 Land $116,300 Building $1,077,500	$1,193,800 Land $116,300 Building $1,077,500

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.

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