3960 E Calvary Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3960 E Calvary Rd, Duluth, MN 55803

Property Summary

Property Type	Commercial
Details	660 sqft · built 1970
Lot Size	0.5 acres (21,812 sqft)
Owner	Company Name on File
Last Sale	$85,000 (Jul 2006)
Tax Bill	$2,484 (2026)
Deeds & Mortgages	Jan 2026 Sale & Line of Credit May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`520-0020-00521`

Property Details

APN / Parcel Number

Primary APN	`520-0020-00521`
Alternative APNs	`806273` `876523`

Interior

Stories	1 Story
Building Area	660 sqft Gross Area
1st Floor Area	660 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Exterior Material	Stucco
Lot Area	21,812 sqft (0.5 acres)
Garage Area	3,000 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Forced Air with A/C

Location & Zoning

Account Number	876523
Street Address	3960 E CALVARY RD
City	DULUTH
State	MN
Zip	55803-1347
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	LIU
Legal Description	ALL THAT PART OF OUTLOT A LOT 168 & VACATEDROADWAY COMM AT NW COR OF OUTLOT A THENCES73DEG45'59"E ALONG SLY R/W OF CALVARY
Legal Subdivision	AUDITORS OF BIRCHWOOD TR
Legal Lot Number	168A
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	3
Census Block	3028
Census Tract	100

Owner

Source: St. Louis County assessment roll, 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	Company Name on File
Mailing Address	3964 E CALVARY RD, DULUTH, MN 55803-1347
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Warranty Deed, Transfer · Line of Credit BELL BANK
May 17, 2017	Deed of Trust, Mortgage · Line of Credit PARK ST BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 7, 2006 · Amount on Record
Deed Sale	Jul 7, 2006 · Amount on Record
Deed Document Number	2006820362
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 14, 2026
Property Address	3960 E CALVARY RD, DULUTH, MN 55803-1347
Document Number	0001098264
Instrument Date	Jan 12, 2026
Instrument	1098264
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$643.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3964 E CALVARY RD, DULUTH, MN 55803-1347

Mortgage

Document Number	0001098265
Date	Jan 14, 2026
Instrument	1098265

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 12, 2031

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3960 E CALVARY RD, DULUTH, MN 55803-1347
Document Number	000T985532
Instrument Date	May 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3960 E CALVARY RD DULUTH MN 558031347, DULUTH, MN 55803-1347

Mortgage

Document Number	000T985532
Date	Jun 2, 2017
Instrument	T985532

Lender

Name	PARK ST BK
Type	Bank
Address	DULUTH, MN 55806

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2027

Interest

Rate Type	Adjustable Rate

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	$2,484.00 (+3.67%)
2025	$2,396.00 (+1.27%)	$128,600 (-) Land $25,800 Building $102,800	$128,600 (-) Land $25,800 Building $102,800
2024	$2,366.00	$128,600 (+8.34%) Land $25,800 Building $102,800	$128,600 (+8.34%) Land $25,800 Building $102,800
2022		$118,700 Land $23,600 Building $95,100	$118,700 Land $23,600 Building $95,100

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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