3964 E Calvary Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3964 E Calvary Rd, Duluth, MN 55803

Property Summary

Property Type	Commercial
Details	21,891 sqft · built 1954
Lot Size	2.13 acres (93,094 sqft)
Owner	Company Name on Record
Last Sale	$430,000 (Jul 2006)
Tax Bill	$17,642 (2026)
Deeds & Mortgages	Jan 2020 Line of Credit Mar 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0020-00520`

Property Details

APN / Parcel Number

Primary APN	`520-0020-00520`
Alternative APN	`1099488`

Interior

Stories	1 Story
Building Area	21,891 sqft Gross Area
1st Floor Area	21,891 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1979
Exterior Material	Metal
Lot Area	93,094 sqft (2.13 acres)
Garage Area	12,000 sqft
Loading Dock	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1099488
Street Address	3964 E CALVARY RD
City	DULUTH
State	MN
Zip	55803-1347
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	LIU
Legal Description	ALL OF OUTLOT A AND THAT PART OF THE VACATEDROADWAY ADJACENT THERETO, EXCEPT THAT PART OFOUTLOT A, LYING SOUTHEAST OF A LINE
Legal Subdivision	AUDITORS PLAT OF BIRCHWOOD TRACT
Legal Tract	OF
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 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	Company Name on Record
Mailing Address	PO BOX 7379, DULUTH, MN 55807-7379
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Line of Credit BELL BK
Mar 13, 2017	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK
Mar 13, 2017	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2006 · Amount on Record
Deed Sale	Jul 7, 2006 · Amount on Record
Prior Sale	Sep 13, 2001 · Amount on Record
Deed Document Number	2006820364
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3964 E CALVARY RD, DULUTH, MN 55803-1347
Document Number	00T1020257
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3964 E CALVARY RD DULUTH MN 558031347, DULUTH, MN 55803-1347

Mortgage

Document Number	00T1020257
Date	Feb 4, 2020
Instrument	T1020257

Lender

Name	BELL BK
Address	MINNEAPOLIS, MN 55416

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 3, 2025

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3964 E CALVARY RD, DULUTH, MN 55803-1347
Document Number	000T983011
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3964 E CALVARY RD DULUTH MN 558031347, DULUTH, MN 55803-1347

Mortgage

Document Number	000T983011
Date	Mar 15, 2017
Instrument	T983011

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 14, 2022

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3964 E CALVARY RD, DULUTH, MN 55803-1347
Document Number	000T983012
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3964 E CALVARY RD DULUTH MN 558031347, DULUTH, MN 55803-1347

Mortgage

Document Number	000T983012
Date	Mar 15, 2017
Instrument	T983012

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 14, 2022

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	$17,642.00 (+12.13%)
2025	$15,734.00 (+2.26%)	$625,100 (+8.11%) Land $50,000 Building $575,100	$625,100 (+8.11%) Land $50,000 Building $575,100
2024	$15,386.00	$578,200 (+8.22%) Land $48,400 Building $529,800	$578,200 (+8.22%) Land $48,400 Building $529,800
2022		$534,300 Land $44,200 Building $490,100	$534,300 Land $44,200 Building $490,100

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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