3725 N Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 3725 N Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,160 sqft · built 2011
Lot Size	0.697 acres (30,377 sqft)
Owner	2 Individual Names on File
Last Sale	$1,500,000 (Aug 2026)
Tax Bill	$25,172 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00310`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00310`
Alternative APNs	`1050456` `1167675`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,160 sqft Gross Area
1st Floor Area	2,516 sqft
Basement Area	1,932 sqft
Finished Basement	1,932 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Other
Construction Type	Frame
Lot Area	30,377 sqft (0.697 acres)
Garage Area	958 sqft

Exterior Amenities

Porch	Slab
Porch Area	420 sqft
Deck Area	768 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1167675
Street Address	3725 N RIDGE RD
City	DULUTH
State	MN
Zip	55804-1481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0009 BLOCK:003 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	3
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3000
Census Tract	600

Owner

3725 N Ridge Rd is owned and occupied by two individuals who bought it in August 2026.

Source: St. Louis County records, as of September 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3725 N RIDGE RD, DULUTH, MN 55804-1481
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
Aug 21, 2026	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jan 5, 2026	Deed of Trust, Mortgage · Line of Credit THE MINERS NATIONAL BANK OF EVELETH
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CHOICE CU
Dec 5, 2018	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK
Apr 30, 2018	Deed of Trust, Mortgage BANK OF AMERICA/IL
Sep 1, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on File
Deed Sale	Aug 21, 2026 · Amount on File
Prior Sale	Jun 24, 2024 · Amount on File
Deed Document Number	20261105079
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 21, 2026
Property Address	3725 N RIDGE RD, DULUTH, MN 55804-1481
Document Number	0001105079
Instrument Date	Jul 16, 2026
Instrument	20261105079
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$499,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3725 N RIDGE RD, DULUTH, MN 55804-1481

Mortgage

Document Number	0001105080,
Date	Aug 21, 2026
Instrument	20261105080

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3725 N RIDGE RD, DULUTH, MN 55804-1481
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001097940
Date	Jan 5, 2026
Instrument	1097940

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	178 Months
Due	Nov 12, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3725 N RIDGE RD, DULUTH, MN 55804-1481
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001038744
Date	Apr 2, 2021
Instrument	1038744

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	4.37%
Index	1-Year CMT
Max Rate	8.37%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3725 N RIDGE RD, DULUTH, MN 55804-1481
Document Number	00T1006089
Instrument Date	Dec 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3725 N RIDGE RD DULUTH MN 558041481, DULUTH, MN 55804-1481

Mortgage

Document Number	00T1006089
Date	Dec 17, 2018
Instrument	T1006089

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 16, 2023

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3725 N RIDGE RD, DULUTH, MN 55804-1481
Document Number	000T997708
Instrument Date	Apr 30, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3725 N RIDGE RD DULUTH MN 558041481, DULUTH, MN 55804-1481

Mortgage

Document Number	000T997708
Date	May 7, 2018
Instrument	T997708

Lender

Name	BANK OF AMERICA/IL
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3725 N RIDGE RD, DULUTH, MN 55804-1481
Document Number	000T989685
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3725 N RIDGE RD DULUTH MN 558041481, DULUTH, MN 55804-1481

Mortgage

Document Number	000T989685
Date	Sep 13, 2017
Instrument	T989685

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3725 N Ridge Rd was $25,172 with a homeowner's exemption, up 7.1% 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	$25,172.00 (+7.11%) Homeowner's exemption
2025	$23,500.00 (+15.81%) Homeowner's exemption	$1,627,600 (+8.75%) Land $314,500 Building $1,313,100	$1,627,600 (+8.75%) Land $314,500 Building $1,313,100
2024	$20,292.00	$1,496,700 Land $314,500 Building $1,182,200	$1,496,700 Land $314,500 Building $1,182,200
2022		$1,267,600 Land $118,300 Building $1,149,300	$1,267,600 Land $118,300 Building $1,149,300

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

Flood

FEMA maps place 3725 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 3725 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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