3931 W 8th St, Duluth, MN 55807 Property Records

St. Louis County property record for 3931 W 8th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,416 sqft · built 1923
Lot Size	0.092 acres (4,009 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Oct 2022)
Tax Bill	$2,756 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3240-00400`

Property Details

APN / Parcel Number

Primary APN	`010-3240-00400`
Alternative APNs	`1138273` `878316`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,416 sqft Gross Area
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,009 sqft (0.092 acres)
Garage Area	675 sqft
Pool Type	Spa / Hot Tub (No Pool)
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1138273
Street Address	3931 W 8TH ST
City	DULUTH
State	MN
Zip	55807-1641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC ALL EX ELY 32 FT LOT 15 BLK 3HAZELWOOD ANNEX DIV TO DULUTH SERIAL #
Legal Subdivision	MERRITT PARK ADD TO DULUTH
Legal Block	4
Legal Lot Number	16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1000
Census Tract	15800

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	Individual Name on Record
Mailing Address	3931 W 8TH ST, DULUTH, MN 55807-1641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage NORTH SHORE BANK OF COMMERCE
Oct 10, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2022 · Amount on Record
Deed Sale	Oct 10, 2022 · Amount on Record
Prior Sale	Jan 14, 2009 · Amount on Record
Deed Document Number	20221062245
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3931 W 8TH ST, DULUTH, MN 55807-1641
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001062247
Date	Oct 10, 2022
Instrument	1062247

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 10, 2022
Property Address	3931 W 8TH ST, DULUTH, MN 55807-1641
Document Number	0001062245
Instrument Date	Sep 24, 2022
Instrument	1062245
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3931 W 8TH ST, DULUTH, MN 55807-1641

Mortgage

Document Number	0001062246
Date	Oct 10, 2022
Instrument	1062246

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,756.00 (+0.51%) Homeowner's exemption
2025	$2,742.00 (+2.7%) Homeowner's exemption	$240,900 (+8.17%) Land $10,300 Building $230,600	$240,900 (+8.17%) Land $10,300 Building $230,600
2024	$2,670.00	$222,700 (+34%) Land $11,000 Building $211,700	$222,700 (+34%) Land $11,000 Building $211,700
2022		$166,200 Land $11,400 Building $154,800	$166,200 Land $11,400 Building $154,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 claims

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 96% of the US · lower than 86% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber.

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