3920 Gladstone St, Duluth, MN 55804 Property Records

St. Louis County property record for 3920 Gladstone St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,524 sqft · built 1967
Lot Size	0.481 acres (20,955 sqft)
Owner	Individual Name on File
Last Sale	$231,000 (Jun 2015)
Tax Bill	$6,034 (2026)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3458-00045`

Property Details

APN / Parcel Number

Primary APN	`010-3458-00045`
Alternative APN	`989585`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,524 sqft Gross Area
1st Floor Area	1,524 sqft
Basement Area	1,150 sqft
Finished Basement	1,150 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	20,955 sqft (0.481 acres)
Garage Area	594 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Patio
Porch Area	246 sqft
Deck Area	160 sqft
Storage Building	88 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	989585
Street Address	3920 GLADSTONE ST
City	DULUTH
State	MN
Zip	55804-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WLY 54 FT OF LOT 4 & ALL OF LOT 5 SERIAL #
Legal Subdivision	NORTHLAND TERRACE
Legal Lot Number	4-5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3017
Census Tract	600

Owner

Source: St. Louis County records · APN 010-3458-00045

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	3920 GLADSTONE ST, DULUTH, MN 55804-1904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 08, 2015 · Amount on Record
Deed Sale	Jun 08, 2015 · Amount on Record
Deed Document Number	20151261893
Prior Transfer Date	Dec 30, 2004
Prior Transfer Doc	00A1239690
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3920 GLADSTONE ST, DULUTH, MN 55804-1904
Document Number	00A1400625
Instrument Date	Dec 31, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3920 GLADSTONE ST DULUTH MN 558041904, DULUTH, MN 55804-1904

Mortgage

Document Number	00A1400625
Date	Jan 08, 2021
Instrument	A1400625

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 07, 2051

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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	$6,034.00 (+6.95%) Homeowner's exemption
2025	$5,642.00 (-5.72%) Homeowner's exemption	$445,500 (+6.25%) Land $80,100 Building $365,400	$445,500 (+6.25%) Land $80,100 Building $365,400
2024	$5,984.00	$419,300 (+7.13%) Land $77,200 Building $342,100	$419,300 (+7.13%) Land $77,200 Building $342,100
2022		$391,400 Land $57,600 Building $333,800	$391,400 Land $57,600 Building $333,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370006003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 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

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.

Internet Providers

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1690011, 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

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 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.