St. Louis County property record for 3937 Tracy Cir E, Duluth, MN 55803 · Last verified October 2025
| Property Type | Residential > Specialized > Seasonal, Cabin, Vacation |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1987 |
| Square Footage | 1,785 sqft Gross Area |
| Garage | 480 sqft |
| Tax Bill | $3,348.00 (2025) |
| Primary APN | 375-6010-43215 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,785 sqft Gross Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Stone Foundation |
| Garage Area | 480 sqft Garage |
| Deck Area | 68 sqft Deck |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 84 sqft Porch |
| View | Yes (Detail Unknown) View |
| Sauna | Sauna |
| Storage Building | 194 sqft Storage Building |
| Heating Fuel | Propane Heating Fuel |
|---|
| Account Number | 1065416 |
|---|---|
| Street Address | 3937 TRACY CIR E |
| City | DULUTH |
| State | MN |
| Zip | 55803 |
| Property Usage | Residential Property Usage |
| Type | Residential > Specialized > Seasonal, Cabin, Vacation |
| Legal Description | SE 1/4 OF SE 1/4 LEASE #16-04MP 375-20-4380 SERIAL # |
| Legal Range | 14 |
| Legal Township | 53N |
| Legal Section | 27 |
| Legal Subdivision | M P LEASE SITES |
| Jurisdiction | ST LOUIS MN |
| Minor Civil Division | GNESEN |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 10601 |
Source: St. Louis County records · APN 375-6010-43215
Assessment roll updated February 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 200 MOUNT ROYAL SHOPPING CIR UNIT 3482, 3482, DULUTH, MN 55803-2688 |
| Owner Type | Owner is a Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 01, 1993 |
| Deed Sale | Oct 01, 1993 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3937 TRACY CIR E, DULUTH, MN 55803 |
| Transaction Type | Mortgage |
| Record Updated | Jan 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3937 TRACY CIR E, DULUTH, MN 55803-9600 |
| Document Number | 0001523674 |
|---|---|
| Date | Dec 08, 2025 |
| Instrument | 1523674 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Type Change Date | Dec 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.62% |
| Max Rate At Change | 8.62% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.6% |
Source: St. Louis County records · Assessment roll updated February 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Gnesen Township |
| 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 |
|---|---|---|---|
| 2025 | $3,348.00 (+0.9%) | ||
| 2024 | $3,318.00 | $330,100 (+4.43%) Land $129,600 Building $200,500 | $330,100 (+4.43%) Land $129,600 Building $200,500 |
| 2022 | $316,100 Land $122,900 Building $193,200 | $316,100 Land $122,900 Building $193,200 |
3937 Tracy Cir E is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · St. Louis County (27137C), updated March 24, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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