St. Louis County property record for 3900 Gladstone St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,023 sqft · built 1965 |
| Lot Size | 0.435 acres (18,958 sqft) |
| Owner | Individual Name on File |
| Last Sale | $830,000 (Apr 2022) |
| Tax Bill | $10,072 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3458-00080 |
| Primary APN | 010-3458-00080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,023 sqft Gross Area |
| 1st Floor Area | 2,023 sqft |
| Basement Area | 1,518 sqft |
| Finished Basement | 1,518 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 18,958 sqft (0.435 acres) |
| Garage Area | 688 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 113 sqft |
| Deck Area | 272 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1129262 |
|---|---|
| Street Address | 3900 GLADSTONE ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WLY 52 FT OF LOT 8 AND ALL OF LOT 9 SERIAL # |
| Legal Subdivision | NORTHLAND TERRACE |
| Legal Lot Number | 8-9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-3458-00080
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 | 3900 GLADSTONE ST, DULUTH, MN 55804-1904 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Apr 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Dec 10, 2021 | Deed of Trust, Mortgage · Line of Credit BELL BANK |
| Apr 21, 2022 | Warranty Deed, Transfer RESULTS TITLE |
| Apr 22, 2022 | Warranty Deed, Transfer RESULTS TITLE |
| Jul 13, 2017 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 22, 2022 · Amount on Record |
| Deed Sale | Apr 22, 2022 · Amount on Record |
| Prior Sale | Apr 21, 2022 · Amount on Record |
| Deed Document Number | 20221441668 |
| Prior Transfer Date | Apr 14, 2022 |
| Prior Transfer Doc | 0001441668 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3900 GLADSTONE ST, DULUTH, MN 55804-1904 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001408340 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 1408340 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3900 GLADSTONE ST, DULUTH, MN 55804-1904 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001038848 |
|---|---|
| Date | Apr 06, 2021 |
| Instrument | 1038848 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3900 GLADSTONE ST, DULUTH, MN 55804-1904 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3900 GLADSTONE ST, DULUTH, MN 55804-1904 |
| Document Number | 0001432332 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 1432332 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Sep 30, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 21, 2022 |
| Property Address | 3900 GLADSTONE ST, DULUTH, MN 55804-1904 |
| Document Number | 0001055756 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 1055756 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,739.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2136 SHERIDAN HILLS RD, WAYZATA, MN 55391-2353 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 22, 2022 |
| Property Address | 3900 GLADSTONE ST, DULUTH, MN 55804-1904 |
| Document Number | 0001441668 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 1441668 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,739.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2136 SHERIDAN HILLS RD, WAYZATA, MN 55391-2353 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3900 GLADSTONE ST, DULUTH, MN 55804-1904 |
| Document Number | 00A1313698 |
| Instrument Date | Jul 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3900 GLADSTONE ST DULUTH MN 558041904, DULUTH, MN 55804-1904 |
| Document Number | 00A1313698 |
|---|---|
| Date | Jul 21, 2017 |
| Instrument | A1313698 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 20, 2022 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $10,072.00 (+7.65%) Homeowner's exemption | ||
| 2025 | $692,500 (+6.55%) Land $64,300 Building $628,200 | $692,500 (+6.55%) Land $64,300 Building $628,200 | |
| 2024 | $9,356.00 | $649,900 (+41.74%) Land $62,000 Building $587,900 | $649,900 (+41.74%) Land $62,000 Building $587,900 |
| 2022 | $458,500 Land $46,200 Building $412,300 | $458,500 Land $46,200 Building $412,300 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 367 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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