406 E Heard St, Duluth, MN 55808 Property Records

St. Louis County property record for 406 E Heard St, Duluth, MN 55808 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	5,752 sqft (0.132 acres)
Occupancy	Owner Occupied
Last Sale	$120,000 (2021)
Tax Bill	$102.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`010-4040-01380`
Alternative APN	`1105332`

Exterior

Lot Area	5,752 sqft (0.132 acres)

Location & Zoning

Account Number	1105332
Street Address	406 E HEARD ST
City	DULUTH
State	MN
Zip	55808-2037
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ELY 46 FT OF LOTS 1 THRU 5 SERIAL #
Legal Subdivision	SMITHS ADD TO NEW DULUTH 1ST D
Legal Block	6
Legal Lot Number	1-5
Jurisdiction	ST LOUIS MN
Minor Civil Division	DULUTH
Census Blockgroup	2
Census Block	2020
Census Tract	3800

Owner

Source: St. Louis County records · APN 010-4040-01380

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	406 E HEARD ST, DULUTH, MN 55808-2037
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 04, 2021 · Amount on Record
Deed Sale	Mar 04, 2021 · Amount on Record
Prior Sale	May 28, 2009 · Amount on Record
Deed Doc Number	20211405814
Record Refreshed	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 04, 2021
Property Address	406 E HEARD ST, DULUTH, MN 55808-2037
Document Number	0001405814
Instrument Date	Feb 19, 2021
Instrument	1405814
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E HEARD ST, DULUTH, MN 55808-2037

Mortgage

Document Number	0001405815
Date	Mar 04, 2021
Instrument	1405815

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$102.00 (+4.08%) Homeowner's exemption
2025	$98.00 (-19.67%) Homeowner's exemption	$7,300 (+1.39%) Land $7,300	$7,300 (+1.39%) Land $7,300
2024		$7,200 (-11.11%) Land $7,200	$7,200 (-11.11%) Land $7,200
2022	$122.00	$8,100 Land $8,100	$8,100 Land $8,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.