3916 E Calvary Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3916 E Calvary Rd, Duluth, MN 55803

Property Summary

Property Type	Commercial
Details	1 bd · 1.5 ba · 840 sqft · built 2008
Lot Size	0.523 acres (22,797 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Apr 2008)
Tax Bill	$23,928 (2026)
Deeds & Mortgages	May 2023 Construction Loan Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0100-00880`

Property Details

APN / Parcel Number

Primary APN	`520-0100-00880`
Alternative APN	`864956`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	840 sqft Gross Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Frame
Lot Area	22,797 sqft (0.523 acres)
Garage Area	40,000 sqft
Utility Building	768 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	864956
Street Address	3916 E CALVARY RD
City	DULUTH
State	MN
Zip	55803-1317
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	LIU
Legal Description	LOTS 27, 28, 29 AND 30, BLOCK 5 SERIAL #
Legal Subdivision	GLENWOOD PARK
Legal Block	5
Legal Lot Number	29
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	3
Census Block	3027
Census Tract	100

Owner

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	Company Name on Record
Mailing Address	3916 E CALVARY RD, DULUTH, MN 55803-1317
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Construction Mortgage FRANDSEN BANK & TRUST
Mar 14, 2017	Deed of Trust, Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2008 · Amount on Record
Deed Sale	Apr 25, 2008 · Amount on Record
Prior Sale	Mar 9, 2007 · Amount on Record
Deed Document Number	2008852127
Prior Transfer Date	Apr 16, 2008
Prior Transfer Doc	0000852127
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3916 E CALVARY RD, DULUTH, MN 55803-1317
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001067908
Date	May 1, 2023
Instrument	1067908

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	71 Months
Due	Apr 27, 2029

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3916 E CALVARY RD, DULUTH, MN 55803-1317
Document Number	000T983436
Instrument Date	Mar 14, 2017
Transaction Type	Mortgage
Record Updated	Apr 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3916 E CALVARY RD DULUTH MN 558031317, DULUTH, MN 55803-1317

Mortgage

Document Number	000T983436
Date	Mar 29, 2017
Instrument	T983436

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816-0450

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 28, 2022

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Rice Lake City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$23,928.00 (+41.59%)
2025	$16,900.00 (+136.5%)	$898,800 (+30.58%) Land $78,200 Building $820,600	$898,800 (+30.58%) Land $78,200 Building $820,600
2024	$7,146.00 (-8.42%)	$688,300 (+92.75%) Land $78,200 Building $610,100	$688,300 (+92.75%) Land $78,200 Building $610,100
2023	$7,803.00
2022		$357,100 (+84.07%) Land $72,300 Building $284,800	$357,100 (+84.07%) Land $72,300 Building $284,800
2021		$194,000 Land $32,400 Building $161,600	$194,000 Land $32,400 Building $161,600

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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	Rice Lake serves 1,085 people · EPA ID MN1690049
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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