3810 Decker Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 3810 Decker Rd, Duluth, MN 55811 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.75 Baths
Year Built	Built 1925
Square Footage	1,564 sqft Gross Area
Lot Size	16,548 sqft (0.379 acres)
Occupancy	Owner Occupied
Last Sale	$305,000 (2024)
Tax Bill	$4,340.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`010-0825-00100`
Alternative APNs	`1103479` `1163948` `1191646`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Building Area	1,564 sqft Gross Area
1st Floor	782 sqft 1st Floor
Basement Area	391 sqft Basement
Finished Basement	391 sqft Finished
Stories	2 Stories

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Lot Area	16,548 sqft (0.379 acres)
Garage Area	1,024 sqft Garage

Exterior Amenities

Pool Type	Spa/Hot Tub (Only) Pool Type
Deck Area	120 sqft Deck
Porch	1 Porch
Porch Area	40 sqft Porch
Sauna	Sauna
Storage Building	25 sqft Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating Fuel	Gas Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	1191646
Street Address	3810 DECKER RD
City	DULUTH
State	MN
Zip	55811-3828
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	EX ELY 75 FT SERIAL #
Legal Subdivision	DECKER ROAD ADDITION
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Minor Civil Division	DULUTH
Census Blockgroup	1
Census Block	1039
Census Tract	301

Owner

Source: St. Louis County records · APN 010-0825-00100

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	3810 DECKER RD, DULUTH, MN 55811-3828
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 02, 2024	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) SPIRE CU
Nov 05, 2019	Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) US BK
Aug 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage PROCTOR FCU
May 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROCTOR FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 02, 2024 · Amount on Record
Deed Sale	Apr 02, 2024 · Amount on Record
Prior Sale	Jan 19, 2021 · Amount on Record
Deed Doc Number	20241078135
Prior Transfer Date	Jul 10, 2001
Prior Transfer Doc	0000705105
Record Refreshed	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 02, 2024
Property Address	3810 DECKER RD, DULUTH, MN 55811-3828
Document Number	0001078135
Instrument Date	Mar 22, 2024
Instrument	1078135
Transaction Type	Transfer
Record Updated	May 01, 2024
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3810 DECKER RD, DULUTH, MN 55811-3828

Mortgage

Document Number	0001078136
Date	Apr 02, 2024
Instrument	1078136

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 19, 2021
Property Address	3810 DECKER RD, DULUTH, MN 55811-3828
Document Number	00T1035279
Instrument Date	Jan 14, 2021
Instrument	T1035279
Transaction Type	Transfer
Record Updated	Feb 10, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$716.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3810 DECKER RD DULUTH MN 558113828, DULUTH, MN 55811-3828

Mortgage

Document Number	T1035280
Date	Jan 19, 2021
Instrument	T1035280

Lender

Name	SPIRE CU
Address	FALCON HEIGHTS, MN 55113

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 05, 2019
Property Address	3810 DECKER RD, DULUTH, MN 55811-3828
Document Number	00T1017044
Instrument Date	Nov 01, 2019
Instrument	T1017044
Transaction Type	Transfer
Record Updated	Feb 03, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$406.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3810 DECKER RD DULUTH MN 558113828, DULUTH, MN 55811-3828

Mortgage

Document Number	T1017045
Date	Nov 05, 2019
Instrument	T1017045

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Nov 04, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3810 DECKER RD, DULUTH, MN 55811-3828
Document Number	00A1003766
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3810 DECKER RD DULUTH MN 558113828, DULUTH, MN 55811-3828

Mortgage

Document Number	00A1003766
Date	Oct 12, 2018
Instrument	A1003766

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 11, 2023

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3810 DECKER RD, DULUTH, MN 55811-3828
Document Number	000T987525
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3810 DECKER RD DULUTH MN 558113828, DULUTH, MN 55811-3828

Mortgage

Document Number	000T987525
Date	Jul 21, 2017
Instrument	T987525

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2027

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,340.00 (+13.02%) Homeowner's exemption
2025	$3,840.00 (-11.68%) Homeowner's exemption	$325,300 (+9.49%) Land $37,200 Building $288,100	$325,300 (+9.49%) Land $37,200 Building $288,100
2024	$4,348.00	$297,100 (+9.75%) Land $48,000 Building $249,100	$297,100 (+9.75%) Land $48,000 Building $249,100
2022		$270,700 Land $46,200 Building $224,500	$270,700 Land $46,200 Building $224,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low 5th percentile nationally · 18th in Minnesota
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

3810 Decker Rd, Duluth, MN 55811 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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Nearby Streets

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