40 W Mulberry St, Duluth, MN 55811 Property Records

St. Louis County property record for 40 W Mulberry St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1954
Lot Size	0.411 acres (17,918 sqft)
Owner	Individual Name on File
Last Sale	$244,900 (Aug 2020)
Tax Bill	$4,012 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0890-06700`

Property Details

APN / Parcel Number

Primary APN	`010-0890-06700`
Alternative APN	`1094591`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,248 sqft Gross Area
1st Floor Area	832 sqft
Basement Area	100 sqft
Finished Basement	100 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	17,918 sqft (0.411 acres)
Garage Area	676 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	96 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1094591
Street Address	40 W MULBERRY ST
City	DULUTH
State	MN
Zip	55811-2647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 15 THRU 18 INC PT OF VAC ST ADJ LOT 15AND INCLUDING THAT PART OF VACATED ALLEYADJACENT TO LOT 18 SERIAL #
Legal Subdivision	DULUTH HEIGHTS SIXTH DIVISION
Legal Block	19
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1026
Census Tract	301

Owner

40 W Mulberry St is owned and occupied by an individual who bought it in August 2020.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	40 W MULBERRY ST, DULUTH, MN 55811-2647
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Nov 2, 2015 · Amount on File
Deed Document Number	20201027705
Prior Transfer Date	Aug 25, 2003
Prior Transfer Doc	0000760650
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 20, 2020
Property Address	40 W MULBERRY ST, DULUTH, MN 55811-2647
Document Number	00T1027705
Instrument Date	Aug 12, 2020
Instrument	T1027705
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 W MULBERRY ST DULUTH MN 558112647, DULUTH, MN 55811-2647

Mortgage

Document Number	T1027706
Date	Aug 20, 2020
Instrument	T1027706

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 40 W Mulberry St was $4,012, up 3% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,012.00 (+3.03%)
2025	$3,894.00 (+8.95%)	$317,100 (+11.93%) Land $66,300 Building $250,800	$317,100 (+11.93%) Land $66,300 Building $250,800
2024	$3,574.00	$283,300 Land $48,500 Building $234,800	$283,300 Land $48,500 Building $234,800
2022		$238,200 Land $52,200 Building $186,000	$238,200 Land $52,200 Building $186,000

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

Flood

FEMA maps place 40 W Mulberry St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 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

Wildfire risk around 40 W Mulberry St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 92% 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	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20