St. Louis County property record for 3820 Decker Rd, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.25 ba · 1,372 sqft · built 1977 |
| Lot Size | 0.684 acres (29,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $398,000 (Oct 2025) |
| Tax Bill | $4,886 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0825-00090 |
| Primary APN | 010-0825-00090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,372 sqft Gross Area |
| 1st Floor Area | 1,372 sqft |
| Basement Area | 686 sqft |
| Finished Basement | 686 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 29,799 sqft (0.684 acres) |
| Garage Area | 500 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 72 sqft |
| Deck Area | 200 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1190239 |
|---|---|
| Street Address | 3820 DECKER RD |
| City | DULUTH |
| State | MN |
| Zip | 55811-3828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0009 SERIAL # |
| Legal Subdivision | DECKER ROAD ADD DULUTH |
| Legal Lot Number | 9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3820 DECKER RD, DULUTH, MN 55811-3828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2025 · Amount on Record |
| Deed Sale | Oct 28, 2025 · Amount on Record |
| Prior Sale | Mar 13, 2007 · Amount on Record |
| Deed Document Number | 20251095591 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 28, 2025 |
| Property Address | 3820 DECKER RD, DULUTH, MN 55811-3828 |
| Document Number | 0001095591 |
| Instrument Date | Oct 13, 2025 |
| Instrument | 1095591 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | ARROWHEAD ABSTRACT AND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,313.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3820 DECKER RD, DULUTH, MN 55811-3828 |
| Document Number | 0001095592 |
|---|---|
| Date | Oct 28, 2025 |
| Instrument | 1095592 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
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 | $4,886.00 (-6.11%) Homeowner's exemption | ||
| 2025 | $5,204.00 (-7.67%) | $401,700 (+19.98%) Land $44,600 Building $357,100 | $401,700 (+19.98%) Land $44,600 Building $357,100 |
| 2024 | $5,636.00 | $334,800 (+9.66%) Land $57,600 Building $277,200 | $334,800 (+9.66%) Land $57,600 Building $277,200 |
| 2022 | $305,300 Land $55,400 Building $249,900 | $305,300 Land $55,400 Building $249,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
May also be available: T-Mobile, Verizon.
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