3727 N Ridge Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 3727 N Ridge Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,247 sqft · built 1997
Lot Size	0.548 acres (23,906 sqft)
Owner	Individual Name on File
Last Sale	$1,000,000 (Feb 2019)
Tax Bill	$20,426 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3452-00320`

Property Details

APN / Parcel Number

Primary APN	`010-3452-00320`
Alternative APN	`1065950`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,247 sqft Gross Area
1st Floor Area	3,247 sqft
Basement Area	2,000 sqft
Finished Basement	2,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Lot Area	23,906 sqft (0.548 acres)
Garage Area	672 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	80 sqft
Deck Area	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1065950
Street Address	3727 N RIDGE RD
City	DULUTH
State	MN
Zip	55804-1481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0010 BLOCK:003 SERIAL #
Legal Subdivision	NORTHLAND ESTATES
Legal Block	3
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3000
Census Tract	600

Owner

3727 N Ridge Rd is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3727 N RIDGE RD, DULUTH, MN 55804-1481
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK
Feb 6, 2019	Warranty Deed, Transfer NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2019 · Amount on File
Deed Sale	Feb 6, 2019 · Amount on File
Prior Sale	Feb 13, 2015 · Amount on File
Deed Document Number	20191007629
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3727 N RIDGE RD, DULUTH, MN 55804-1481
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3727 N RIDGE RD, DULUTH, MN 55804-1481

Mortgage

Document Number	0001097305
Date	Dec 17, 2025
Instrument	1097305

Lender

Name	NORTH SHORE BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Oct 31, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 6, 2019
Property Address	3727 N RIDGE RD, DULUTH, MN 55804-1481
Document Number	0001007629
Instrument Date	Jan 15, 2019
Instrument	1007629
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,300.00
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	3727 N RIDGE RD DULUTH MN 558041481, DULUTH, MN 55804-1481

Mortgage

Document Number	1007630
Date	Feb 6, 2019
Instrument	1007630

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 3727 N Ridge Rd was $20,426, up 7% 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	$20,426.00 (+6.98%)
2025	$19,094.00 (+11.87%)	$1,335,800 (+8.35%) Land $308,300 Building $1,027,500	$1,335,800 (+8.35%) Land $308,300 Building $1,027,500
2024	$17,068.00	$1,232,900 Land $308,300 Building $924,600	$1,232,900 Land $308,300 Building $924,600
2022		$1,085,000 Land $116,000 Building $969,000	$1,085,000 Land $116,000 Building $969,000

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

Flood

FEMA maps place 3727 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 3727 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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