3901 Chambersburg Ave, Duluth, MN 55811 Property Records

St. Louis County property record for 3901 Chambersburg Ave, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1957
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Sep 2018)
Tax Bill	$3,516 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Sep 2018 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`010-2710-05757`

Property Details

APN / Parcel Number

Primary APN	`010-2710-05757`
Alternative APN	`1057560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,040 sqft Gross Area
1st Floor Area	1,040 sqft
Basement Area	520 sqft
Finished Basement	520 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	30,492 sqft (0.7 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Deck Area	Deck Area
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1057560
Street Address	3901 CHAMBERSBURG AVE
City	DULUTH
State	MN
Zip	55811-5620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 100 FT OF S 508 FT OF E 1/2 OF SE 1/4OF SW 1/4 OF SE 1/4 EX E 25 FT FOR ROAD SERIAL #
Legal Range	14W
Legal Township	50N
Legal Section	19
Legal Subdivision	DULUTH LANDS IN THE CITY
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1039
Census Tract	301

Owner

3901 Chambersburg Ave is owned and occupied by an individual who bought it in September 2018.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	3901 CHAMBERSBURG AVE, DULUTH, MN 55811-5620
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Sep 24, 2018	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Sep 7, 2018	Warranty Deed, Transfer · Conventional Mortgage SERVION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Deed Document Number	20181340146
Prior Transfer Date	Apr 29, 2013
Prior Transfer Doc	0001212948
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3901 CHAMBERSBURG AVE, DULUTH, MN 55811-5620
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001484641
Date	Mar 18, 2024
Instrument	1484641

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 17, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3901 CHAMBERSBURG AVE, DULUTH, MN 55811-5620
Document Number	00A1342524
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3901 CHAMBERSBURG AVE DULUTH MN 558115620, DULUTH, MN 55811-5620

Mortgage

Document Number	00A1342524
Date	Oct 12, 2018
Instrument	A1342524

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 11, 2033

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 7, 2018
Property Address	3901 CHAMBERSBURG AVE, DULUTH, MN 55811-5620
Document Number	0001340146
Instrument Date	Aug 15, 2018
Instrument	1340146
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	SERVION TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3901 CHAMBERSBURG AVE DULUTH MN 558115620, DULUTH, MN 55811-5620

Mortgage

Document Number	1340147
Date	Sep 7, 2018
Instrument	1340147

Lender

Name	SERVION INC
Address	NEW BRIGHTON, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3901 Chambersburg Ave was $3,516 with a homeowner's exemption, up 12.3% from the year before.

Source: St. Louis County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,516.00 (+12.26%) Homeowner's exemption
2025	$3,132.00 (-12.71%) Homeowner's exemption	$291,000 (+16.87%) Land $44,600 Building $246,400	$291,000 (+16.87%) Land $44,600 Building $246,400
2024	$3,588.00	$249,000 Land $57,700 Building $191,300	$249,000 Land $57,700 Building $191,300
2022		$227,900 Land $55,500 Building $172,400	$227,900 Land $55,500 Building $172,400

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

Flood

FEMA maps place 3901 Chambersburg Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 3901 Chambersburg Ave is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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