3968 Sterling Pond Pl, Duluth, MN 55811 Property Records

St. Louis County property record for 3968 Sterling Pond Pl, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,646 sqft · built 2015
Lot Size	0.729 acres (31,760 sqft)
Owner	2 Individual Names on Record
Last Sale	$766,000 (Sep 2025)
Tax Bill	$9,836 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Sep 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`395-0136-00310`

Property Details

APN / Parcel Number

Primary APN	`395-0136-00310`
Alternative APNs	`1134530` `1188121`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,646 sqft Gross Area
1st Floor Area	1,646 sqft
Basement Area	1,480 sqft
Finished Basement	1,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Lot Area	31,760 sqft (0.729 acres)
Garage Area	768 sqft

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	168 sqft
Patio Area	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1188121
Street Address	3968 STERLING POND PL
City	DULUTH
State	MN
Zip	55811-2360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLOCK 5 SERIAL #
Legal Subdivision	STERLING POND ESTATES
Legal Block	5
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	3
Census Block	3002
Census Tract	10302

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	2 Individual Names on Record
Mailing Address	3968 STERLING POND PL, DULUTH, MN 55811-2360
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE
Sep 22, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Aug 4, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Nov 23, 2021	Warranty Deed, Transfer NORTH SHORE TITLE
Jun 5, 2018	Warranty Deed, Transfer NORTH SHORE TITLE
Mar 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/WASECA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Aug 4, 2022 · Amount on Record
Deed Document Number	20251518468
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3968 STERLING POND PL, DULUTH, MN 55811-2360
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001437119
Date	Feb 9, 2022
Instrument	1437119

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 7, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 22, 2025
Property Address	3968 STERLING POND PL, DULUTH, MN 55811-2360
Document Number	0001518468
Instrument Date	Aug 29, 2025
Instrument	1518468
Transaction Type	Transfer
Record Updated	Oct 14, 2025
Title Company	UNKNOWN, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,527.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3968 STERLING POND PL, HERMANTOWN, MN 55811-2360

Mortgage

Document Number	0001518469
Date	Sep 22, 2025
Instrument	1518469

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	5.37%
Max Rate At Change	9.37%
Index	SOFR Average 30-Day
Max Rate	12.3%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 4, 2022
Property Address	3968 STERLING POND PL, DULUTH, MN 55811-2360
Document Number	0001449000
Instrument Date	Jul 29, 2022
Instrument	1449000
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,306.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3968 STERLING POND PL, HERMANTOWN, MN 55811-2360

Mortgage

Document Number	0001449003
Date	Aug 4, 2022
Instrument	1449003

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2037

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 23, 2021
Property Address	3968 STERLING POND PL, DULUTH, MN 55811-2360
Document Number	0001430752
Instrument Date	Nov 8, 2021
Instrument	1430752
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$2,184.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3968 STERLING POND PL, HERMANTOWN, MN 55811-2360

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 5, 2018
Property Address	3968 STERLING POND PL, DULUTH, MN 55811-2360
Document Number	00A1334030
Instrument Date	Jun 1, 2018
Instrument	A1334030
Transaction Type	Transfer
Record Updated	Jun 22, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$1,798.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3968 STERLING POND PL HERMANTOWN MN 558112360, HERMANTOWN, MN 55811-2360

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3968 STERLING POND PL, DULUTH, MN 55811-2360
Document Number	00A1309018
Instrument Date	Mar 30, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3968 STERLING POND PLACE ST HERMANTOWN MN 558112360, HERMANTOWN, MN 55811-2360

Mortgage

Document Number	00A1309018
Date	May 10, 2017
Instrument	A1309018

Lender

Name	FIRST NAT'L BK/WASECA
Type	Bank
Address	WASECA, MN 56093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2032

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	Hermantown City
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,836.00 (+0.8%) Homeowner's exemption
2025	$9,758.00 (+6.69%) Homeowner's exemption	$725,400 (+7.83%) Land $110,400 Building $615,000	$725,400 (+7.83%) Land $110,400 Building $615,000
2024	$9,146.00	$672,700 (+25.18%) Land $106,100 Building $566,600	$672,700 (+25.18%) Land $106,100 Building $566,600
2022		$537,400 Land $78,900 Building $458,500	$537,400 Land $78,900 Building $458,500

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	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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Hermantown serves 7,215 people · EPA ID MN1690043
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

May also be available: T-Mobile.

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