3950 Martin Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3950 Martin Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,218 sqft · built 1960
Lot Size	0.891 acres (38,825 sqft)
Owner	Individual Name on Record
Tax Bill	$2,842 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0080-00010`

Property Details

APN / Parcel Number

Primary APN	`520-0080-00010`
Alternative APN	`1028207`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,218 sqft Gross Area
1st Floor Area	1,218 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	38,825 sqft (0.891 acres)
Garage Area	480 sqft
Porch	Porch
Porch Area	396 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1028207
Street Address	3950 MARTIN RD
City	DULUTH
State	MN
Zip	55803-1339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	ELY 1/2 OF LOTS 1 AND 2 SERIAL #
Legal Subdivision	COLMANS 3RD ACRE TR ADD TO DUL
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1037
Census Tract	10400

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	3950 MARTIN RD, DULUTH, MN 55803-1339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Apr 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3950 MARTIN RD, DULUTH, MN 55803-1339
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3950 MARTIN RD, DULUTH, MN 55803-1339

Mortgage

Document Number	0001066960
Date	Mar 24, 2023
Instrument	1066960

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3950 MARTIN RD, DULUTH, MN 55803-1339
Document Number	00A1001527
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3950 MARTIN RD DULUTH MN 558031339, DULUTH, MN 55803-1339

Mortgage

Document Number	00A1001527
Date	Aug 15, 2018
Instrument	A1001527

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2048

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 4, 2017
Property Address	3950 MARTIN RD, DULUTH, MN 55803-1339
Document Number	000T983624
Instrument Date	Apr 4, 2017
Instrument	T983624
Transaction Type	Transfer
Record Updated	Apr 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3950 MARTIN RD DULUTH MN 558031339, DULUTH, MN 55803-1339

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	$2,842.00 (+3.72%) Homeowner's exemption
2025	$2,740.00 (+1.26%) Homeowner's exemption	$235,200 (+0.09%) Land $39,000 Building $196,200	$235,200 (+0.09%) Land $39,000 Building $196,200
2024	$2,706.00	$235,000 (+17.15%) Land $38,800 Building $196,200	$235,000 (+17.15%) Land $38,800 Building $196,200
2022		$200,600 Land $37,100 Building $163,500	$200,600 Land $37,100 Building $163,500

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	3 in force
Nearby Flood Claims	4 (1991–2001)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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	None beyond ember reach

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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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