St. Louis County property record for 3851 Kenroy Rd, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,104 sqft · built 1978 |
| Lot Size | 1.03 acres (44,983 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,632 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 395-0103-00090 |
| Primary APN | 395-0103-00090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Gross Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 528 sqft |
| Finished Basement | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 44,983 sqft (1.03 acres) |
| Garage Area | 660 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 484 sqft |
| Deck Area | 32 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1033199 |
|---|---|
| Street Address | 3851 KENROY RD |
| City | DULUTH |
| State | MN |
| Zip | 55811-1717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0009 BLOCK:001 SERIAL # |
| Legal Subdivision | MORSE ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | HERMANTOWN |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 10302 |
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 | 3851 KENROY RD, DULUTH, MN 55811-1717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Jun 28, 2017 | Warranty Deed, Transfer · Conventional with PMI US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 15, 2008 |
| Transfer Doc | 0001090452 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3851 KENROY RD, DULUTH, MN 55811-1717 |
| Document Number | 00A1399971 |
| Instrument Date | Dec 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3851 KENROY RD DULUTH MN 558111717, DULUTH, MN 55811-1717 |
| Document Number | 00A1399971 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | A1399971 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 30, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 28, 2017 |
| Property Address | 3851 KENROY RD, DULUTH, MN 55811-1717 |
| Document Number | 00A1312134 |
| Instrument Date | Jun 16, 2017 |
| Instrument | A1312134 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $841.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3851 KENROY RD HERMANTOWN MN 558111717, HERMANTOWN, MN 55811-1717 |
| Document Number | A1312135 |
|---|---|
| Date | Jun 28, 2017 |
| Instrument | A1312135 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 2047 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Hermantown City |
| Unified School District | Hermantown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,632.00 (+8.58%) Homeowner's exemption | ||
| 2025 | $4,266.00 (+8%) Homeowner's exemption | $352,100 (+7.91%) Land $69,400 Building $282,700 | $352,100 (+7.91%) Land $69,400 Building $282,700 |
| 2024 | $3,950.00 | $326,300 (+22.9%) Land $66,000 Building $260,300 | $326,300 (+22.9%) Land $66,000 Building $260,300 |
| 2022 | $265,500 Land $58,300 Building $207,200 | $265,500 Land $58,300 Building $207,200 |
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 |
| Nearby Flood Policies | 1 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 | Hermantown serves 7,215 people · EPA ID MN1690043 |
|---|---|
| Water Source | Purchased surface water from Duluth |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
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