38 S Ugstad Rd, Duluth, MN 55810 Property Records

St. Louis County property record for 38 S Ugstad Rd, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,144 sqft · built 1977
Lot Size	0.303 acres (13,225 sqft)
Owner	Individual Name on Record
Last Sale	$326,000 (May 2022)
Tax Bill	$4,978 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`185-0165-00055`

Property Details

APN / Parcel Number

Primary APN	`185-0165-00055`
Alternative APN	`1130262`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,144 sqft Gross Area
1st Floor Area	1,144 sqft
Basement Area	1,030 sqft
Finished Basement	1,030 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Lot Area	13,225 sqft (0.303 acres)
Garage Area	728 sqft
Deck Area	64 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1130262
Street Address	38 S UGSTAD RD
City	DULUTH
State	MN
Zip	55810-2435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLY 36.5 FT OF LOT 5 AND ALL OF LOT 6 SERIAL #
Legal Subdivision	MCGOVERN DIVISION
Legal Block	1
Legal Lot Number	5-6
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	3
Census Block	3016
Census Tract	10100

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	38 S UGSTAD RD, DULUTH, MN 55810-2435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Apr 10, 2019	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2022 · Amount on Record
Deed Sale	May 13, 2022 · Amount on Record
Prior Sale	Dec 23, 2016 · Amount on Record
Deed Document Number	20221056583
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 13, 2022
Property Address	38 S UGSTAD RD, DULUTH, MN 55810-2435
Document Number	0001056583
Instrument Date	Apr 26, 2022
Instrument	1056583
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,075.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 S UGSTAD RD, PROCTOR, MN 55810-2435

Mortgage

Document Number	0001056584
Date	May 13, 2022
Instrument	1056584

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	38 S UGSTAD RD, DULUTH, MN 55810-2435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001009333
Date	Apr 10, 2019
Instrument	1009333

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 20, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,978.00 (-3.71%) Homeowner's exemption
2025	$5,170.00 (+7.57%) Homeowner's exemption	$327,600 (-5.02%) Land $25,400 Building $302,200	$327,600 (-5.02%) Land $25,400 Building $302,200
2024	$4,806.00	$344,900 (+51.21%) Land $20,800 Building $324,100	$344,900 (+51.21%) Land $20,800 Building $324,100
2022		$228,100 Land $15,700 Building $212,400	$228,100 Land $15,700 Building $212,400

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	2 in force

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 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: T-Mobile.

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