3981 Willow Pl, Duluth, MN 55811 Property Records

St. Louis County property record for 3981 Willow Pl, Duluth, MN 55811 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,621 sqft · built 2006
Lot Size	0.616 acres (26,846 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Mar 2017)
Tax Bill	$11,200 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`395-0113-00290`

Property Details

APN / Parcel Number

Primary APN	`395-0113-00290`
Alternative APN	`1027032`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,621 sqft Gross Area
1st Floor Area	1,703 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Metal
Construction Type	Frame
Lot Area	26,846 sqft (0.616 acres)
Garage Area	630 sqft

Exterior Amenities

Porch	Slab
Porch Area	141 sqft
Deck Area	528 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1027032
Street Address	3981 WILLOW PL
City	DULUTH
State	MN
Zip	55811-1776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLOCK 8 SERIAL #
Legal Subdivision	HIDDEN CREEK PRESERVE
Legal Block	8
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	2
Census Block	2001
Census Tract	10302

Owner

Source: St. Louis County records · APN 395-0113-00290

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	3981 WILLOW PL, DULUTH, MN 55811-1776
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
Mar 15, 2017	Grant Deed, Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 15, 2017 · Amount on Record
Deed Sale	Mar 15, 2017 · Amount on Record
Prior Sale	Apr 07, 2009 · Amount on Record
Deed Document Number	20171305818
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3981 WILLOW PL, DULUTH, MN 55811-1776
Document Number	00A1384900
Instrument Date	Jul 06, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3981 WILLOW PL DULUTH MN 558111776, DULUTH, MN 55811-1776

Mortgage

Document Number	00A1384900
Date	Jul 14, 2020
Instrument	A1384900

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 13, 2035

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 15, 2017
Property Address	3981 WILLOW PL, DULUTH, MN 55811-1776
Document Number	00A1305818
Instrument Date	Mar 10, 2017
Instrument	A1305818
Transaction Type	Transfer
Record Updated	Apr 04, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,551.00
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	3981 WILLOW PL HERMANTOWN MN 558111776, HERMANTOWN, MN 55811-1776

Mortgage

Document Number	A1305819
Date	Mar 15, 2017
Instrument	A1305819

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2047

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,200.00 (+11.64%)
2025	$10,032.00 (+4.76%)	$812,800 (+17.95%) Land $105,300 Building $707,500	$812,800 (+17.95%) Land $105,300 Building $707,500
2024	$9,576.00	$689,100 (+17.43%) Land $101,200 Building $587,900	$689,100 (+17.43%) Land $101,200 Building $587,900
2022		$586,800 Land $75,300 Building $511,500	$586,800 Land $75,300 Building $511,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370103022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 2% of the US · above 8% of Minnesota
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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