St. Louis County property record for 3728 N Ridge Rd, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,002 sqft · built 2003 |
| Lot Size | 0.245 acres (10,686 sqft) |
| Owner | Individual Name on File |
| Last Sale | $485,000 (Dec 2021) |
| Tax Bill | $8,846 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Dec 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3452-00151 |
| Primary APN | 010-3452-00151 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,002 sqft Gross Area |
| 1st Floor Area | 2,002 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 10,686 sqft (0.245 acres) |
| Garage Area | 483 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 42 sqft |
| Deck Area | Deck Area |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1121775 |
|---|---|
| Street Address | 3728 N RIDGE RD |
| City | DULUTH |
| State | MN |
| Zip | 55804-1429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF LOT 3 BEG AT SE COR OF LOT 3 THENCEN16DEG15'00"W 3.10 FT ALONG E LINE THENCES77DEG56'59"W 71.44 FT TO A PROLONGATION |
| Legal Subdivision | NORTHLAND ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 7-8,3T |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 600 |
3728 N Ridge Rd is owned and occupied by an individual who bought it in December 2021.
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 | 3728 N RIDGE RD, DULUTH, MN 55804-1429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK |
| Dec 1, 2021 | Warranty Deed, Transfer RESULTS TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2021 · Amount on File |
| Deed Sale | Dec 1, 2021 · Amount on File |
| Deed Document Number | 20211050183 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3728 N RIDGE RD, DULUTH, MN 55804-1429 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001053012 |
|---|---|
| Date | Feb 3, 2022 |
| Instrument | 1053012 |
| Name | CITY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LOS ANGELES, CA 90071 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 1, 2021 |
| Property Address | 3728 N RIDGE RD, DULUTH, MN 55804-1429 |
| Document Number | 0001050183 |
| Instrument Date | Nov 15, 2021 |
| Instrument | 1050183 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | RESULTS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,600.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3728 N RIDGE RD, DULUTH, MN 55804-1429 |
The 2026 property tax bill for 3728 N Ridge Rd was $8,846 with a homeowner's exemption, up 9.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,846.00 (+9.24%) Homeowner's exemption | ||
| 2025 | $8,098.00 (+32.75%) Homeowner's exemption | $636,700 (+10.81%) Land $68,200 Building $568,500 | $636,700 (+10.81%) Land $68,200 Building $568,500 |
| 2024 | $6,100.00 | $574,600 Land $68,200 Building $506,400 | $574,600 Land $68,200 Building $506,400 |
| 2022 | $431,400 Land $37,900 Building $393,500 | $431,400 Land $37,900 Building $393,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3728 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 risk around 3728 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.
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 |
| 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.
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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