3976 Martin Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3976 Martin Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,173 sqft · built 1935
Lot Size	0.752 acres (32,767 sqft)
Owner	Individual Name on Record
Tax Bill	$2,562 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0080-00440`

Property Details

APN / Parcel Number

Primary APN	`520-0080-00440`
Alternative APN	`945056`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,173 sqft Gross Area
1st Floor Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	32,767 sqft (0.752 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Deck Area	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	945056
Street Address	3976 MARTIN RD
City	DULUTH
State	MN
Zip	55803-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT: 0044 BLOCK:000 SERIAL #
Legal Subdivision	COLDMANS 3RD ACRE TRACT ADDN
Legal Lot Number	44
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1036
Census Tract	10400

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	Individual Name on Record
Mailing Address	3976 MARTIN RD, DULUTH, MN 55803-1338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Jul 29, 2021	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jun 18, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2013
Deed Sale	Jan 28, 2013
Prior Sale	May 12, 2006 · Amount on Record
Deed Document Number	2013926095
Prior Transfer Date	Dec 18, 2012
Prior Transfer Doc	000T926095
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3976 MARTIN RD, DULUTH, MN 55803-1338
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001049980
Date	Nov 29, 2021
Instrument	1049980

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 2041

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3976 MARTIN RD, DULUTH, MN 55803-1338
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001044467
Date	Jul 29, 2021
Instrument	1044467

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2021
Property Address	3976 MARTIN RD, DULUTH, MN 55803-1338
Document Number	0001042418
Instrument Date	Jun 18, 2021
Instrument	1042418
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3976 MARTIN RD, DULUTH, MN 55803-1338

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	$2,562.00 (+3.72%) Homeowner's exemption
2025	$2,470.00 (+0.9%) Homeowner's exemption	$215,700 (+0.09%) Land $35,600 Building $180,100	$215,700 (+0.09%) Land $35,600 Building $180,100
2024	$2,448.00	$215,500 (+17.06%) Land $35,400 Building $180,100	$215,500 (+17.06%) Land $35,400 Building $180,100
2022		$184,100 Land $34,000 Building $150,100	$184,100 Land $34,000 Building $150,100

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
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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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