3972 Homecroft Ln, Duluth, MN 55803 Property Records

St. Louis County property record for 3972 Homecroft Ln, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 770 sqft · built 1975
Lot Size	0.98 acres (42,727 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Sep 2026)
Tax Bill	$2,748 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0130-00010`

Property Details

APN / Parcel Number

Primary APN	`520-0130-00010`
Alternative APN	`945547`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	770 sqft Gross Area
1st Floor Area	616 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Wood
Construction Type	Frame
Lot Area	42,727 sqft (0.98 acres)
Garage Area	576 sqft
Deck Area	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	945547
Street Address	3972 HOMECROFT LN
City	DULUTH
State	MN
Zip	55803-1365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	W 1/2 OF LOTS 400 AND 401 EX 33 FT FORRD SERIAL #
Legal Subdivision	HOMECRAFT PARK
Legal Lot Number	400-401
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1038
Census Tract	10400

Owner

Source: St. Louis County records, as of October 12, 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	3972 HOMECROFT LN, DULUTH, MN 55803-1365
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2026 · Amount on Record
Deed Sale	Sep 25, 2026 · Amount on Record
Prior Sale	Jan 29, 2013 · Amount on Record
Deed Document Number	20261106358
Prior Transfer Date	Dec 12, 2012
Prior Transfer Doc	000T926163
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 25, 2026
Property Address	3972 HOMECROFT LN, DULUTH, MN 55803-1365
Document Number	0001106358
Instrument Date	Aug 31, 2026
Instrument	20261106358
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$49,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3972 HOMECROFT LN, DULUTH, MN 55803-1365

Mortgage

Document Number	0001106359,
Date	Sep 25, 2026
Instrument	20261106359

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0001106360,
Date	Sep 25, 2026
Instrument	20261106360

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

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	$2,748.00 (+45.4%)
2025	$1,890.00 (+3.85%)	$173,600 (+19.39%) Land $40,000 Building $133,600	$173,600 (+19.39%) Land $40,000 Building $133,600
2024	$1,820.00	$145,400 (+15.4%) Land $39,700 Building $105,700	$145,400 (+15.4%) Land $39,700 Building $105,700
2022		$126,000 Land $38,000 Building $88,000	$126,000 Land $38,000 Building $88,000

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	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	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	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 83 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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