St. Louis County property record for 3952 Shadow Grass Trl, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.25 ba · 1,008 sqft · built 2001 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $25,000 (Sep 2001) |
| Tax Bill | $4,014 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage May 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0010-00676 |
| Primary APN | 520-0010-00676 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Gross Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 756 sqft |
| Finished Basement | 756 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 960 sqft |
| Deck Area | 240 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 764842 |
|---|---|
| Street Address | 3952 SHADOW GRASS TRL |
| City | DULUTH |
| State | MN |
| Zip | 55803-5300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | SE1/4 OF NW1/4 OF SE1/4 SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 03 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 10400 |
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 | 3952 SHADOW GRASS TRL, DULUTH, MN 55803-5300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage WESTERN NATIONAL BANK |
| May 31, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage WESTERN NATIONAL BANK |
| Nov 16, 2020 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE |
| Mar 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN NAT'L BK |
| May 12, 2017 | Deed of Trust, Mortgage NORTH SHORE BK/COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2001 · Amount on Record |
| Deed Sale | Sep 19, 2001 · Amount on Record |
| Deed Document Number | 2001707991 |
| Last Transfer Date | May 5, 2023 |
| Transfer Doc | 0001068728 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 5, 2023 |
| Property Address | 3952 SHADOW GRASS TRL, DULUTH, MN 55803-5300 |
| Document Number | 0001467572 |
| Instrument Date | May 5, 2023 |
| Instrument | 1467572 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3952 SHADOW GRASS TRL, DULUTH, MN 55803-5300 |
| Document Number | 0001467573 |
|---|---|
| Date | Jun 5, 2023 |
| Instrument | 1467573 |
| Name | WESTERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.43% |
| Type Change Date | May 1, 2026 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.43% |
| Max Rate At Change | 9.43% |
| Index | Other |
| Max Rate | 17.4% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 31, 2023 |
| Property Address | 3952 SHADOW GRASS TRL, DULUTH, MN 55803-5300 |
| Document Number | 0001068728 |
| Instrument Date | May 5, 2023 |
| Instrument | 1068728 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3952 SHADOW GRASS TRL, DULUTH, MN 55803-5300 |
| Document Number | 0001068729 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 1068729 |
| Name | WESTERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.43% |
| Type Change Date | May 1, 2026 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.43% |
| Max Rate At Change | 9.43% |
| Index | Other |
| Max Rate | 17.4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3952 SHADOW GRASS TRL, DULUTH, MN 55803-5300 |
| Document Number | 00T1033170 |
| Instrument Date | Nov 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2020 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3952 SHADOW GRASS TRL DULUTH MN 558035300, DULUTH, MN 55803-5300 |
| Document Number | 00T1033170 |
|---|---|
| Date | Dec 4, 2020 |
| Instrument | T1033170 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 3, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3952 SHADOW GRASS TRL, DULUTH, MN 55803-5300 |
| Document Number | 00T1022244 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3952 SHADOW GRASS TRL DULUTH MN 558035300, DULUTH, MN 55803-5300 |
| Document Number | 00T1022244 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | T1022244 |
| Name | WESTERN NAT'L BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 9, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3952 SHADOW GRASS TRL, DULUTH, MN 55803-5300 |
| Document Number | 000T985000 |
| Instrument Date | May 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3952 SHADOW GRASS TRL DULUTH MN 558035300, DULUTH, MN 55803-5300 |
| Document Number | 000T985000 |
|---|---|
| Date | May 18, 2017 |
| Instrument | T985000 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816-0450 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | May 17, 2022 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,014.00 (+3.56%) Homeowner's exemption | ||
| 2025 | $3,876.00 (-1.37%) Homeowner's exemption | $317,000 (-) Land $87,000 Building $230,000 | $317,000 (-) Land $87,000 Building $230,000 |
| 2024 | $3,930.00 (-0.71%) | $317,000 (+9.5%) Land $87,000 Building $230,000 | $317,000 (+9.5%) Land $87,000 Building $230,000 |
| 2023 | $3,958.00 Homeowner's exemption | ||
| 2022 | $289,500 (+14.34%) Land $83,000 Building $206,500 | $289,500 (+14.34%) Land $83,000 Building $206,500 | |
| 2021 | $253,200 Land $51,800 Building $201,400 | $253,200 Land $51,800 Building $201,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
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