405 Elk St, Duluth, MN 55803 Property Records

St. Louis County property record for 405 Elk St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 841 sqft · built 1926
Lot Size	4.05 acres (176,635 sqft)
Owner	Individual Name on Record
Last Sale	$79,500 (Mar 2023)
Tax Bill	$2,912 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`010-2010-00550`

Property Details

APN / Parcel Number

Primary APN	`010-2010-00550`
Alternative APNs	`1067226` `1140385`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	841 sqft Gross Area
1st Floor Area	841 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	176,635 sqft (4.05 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	48 sqft
Storage Building	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1140385
Street Address	405 ELK ST
City	DULUTH
State	MN
Zip	55803-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 AND THE WEST 160.10 FEET OF LOT 29,BLOCK 2. SERIAL #
Legal Subdivision	GREYSOLON FARMS 1ST DIV OF DUL
Legal Block	2
Legal Lot Number	29-30
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	100

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	405 ELK ST, DULUTH, MN 55803-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Mar 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Nov 16, 2022	Warranty Deed, Transfer · Conventional Mortgage HORSETOOTH FINANCIAOL GROUP INC
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Aug 12, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Nov 15, 2019	Deed of Trust, Mortgage · Conventional with PMI JFQ LNDG INC
Apr 9, 2019	Grant Deed, Transfer · FHA Mortgage NORTH SHORE BK/COMMERCE
Jul 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Nov 16, 2022 · Amount on Record
Deed Document Number	20231066695
Prior Transfer Date	Oct 16, 2006
Prior Transfer Doc	0000987774
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	405 ELK ST, DULUTH, MN 55803-1404
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ELK ST, DULUTH, MN 55803-1404

Mortgage

Document Number	0001077548
Date	Mar 12, 2024
Instrument	1077548

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	405 ELK ST, DULUTH, MN 55803-1404
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 ELK ST, DULUTH, MN 55803-1404

Mortgage

Document Number	0001077548
Date	Mar 12, 2024
Instrument	1077548

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 16, 2022
Property Address	405 ELK ST, DULUTH, MN 55803-1404
Document Number	0001063597
Instrument Date	Nov 4, 2022
Instrument	1063597
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$804.87
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	405 ELK ST, DULUTH, MN 55803-1404

Mortgage

Document Number	0001063598
Date	Nov 16, 2022
Instrument	1063598

Lender

Name	HORSETOOTH FINANCIAOL GROUP INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	6 Months
Due	May 7, 2023

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	405 ELK ST, DULUTH, MN 55803-1404
Document Number	00T1028762
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 ELK ST DULUTH MN 558031404, DULUTH, MN 55803-1404

Mortgage

Document Number	00T1028762
Date	Sep 10, 2020
Instrument	T1028762

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 9, 2040

Interest

Rate	3.62%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	405 ELK ST, DULUTH, MN 55803-1404
Document Number	00T1028810
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 ELK ST DULUTH MN 558031404, DULUTH, MN 55803-1404

Mortgage

Document Number	00T1028810
Date	Sep 11, 2020
Instrument	T1028810

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	405 ELK ST, DULUTH, MN 55803-1404
Document Number	00T1017877
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 ELK ST DULUTH MN 558031404, DULUTH, MN 55803-1404

Mortgage

Document Number	00T1017877
Date	Nov 25, 2019
Instrument	T1017877

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 9, 2019
Property Address	405 ELK ST, DULUTH, MN 55803-1404
Document Number	0001009307
Instrument Date	Feb 28, 2019
Instrument	1009307
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	AUTHORITY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
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	405 ELK ST DULUTH MN 558031404, DULUTH, MN 55803-1404

Mortgage

Document Number	T1009308
Date	Apr 9, 2019
Instrument	T1009308

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2049

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 27, 2017
Property Address	405 ELK ST, DULUTH, MN 55803-1404
Document Number	000T987774
Instrument Date	Oct 16, 2006
Instrument	T987774
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	405 ELK ST DULUTH MN 558031404, DULUTH, MN 55803-1404

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,912.00 (+5.97%) Homeowner's exemption
2025	$2,748.00 (-6.28%) Homeowner's exemption	$235,900 (+5.74%) Land $81,100 Building $154,800	$235,900 (+5.74%) Land $81,100 Building $154,800
2024	$2,932.00	$223,100 (+38.92%) Land $73,100 Building $150,000	$223,100 (+38.92%) Land $73,100 Building $150,000
2022		$160,600 Land $35,700 Building $124,900	$160,600 Land $35,700 Building $124,900

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: T-Mobile, Verizon.

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