St. Louis County property record for 408 Saint Louis River Rd, Duluth, MN 55810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,464 sqft · built 1975 |
| Lot Size | 5.2 acres (226,639 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,900 (Apr 2014) |
| Tax Bill | $5,006 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 185-0160-00290 |
| Primary APN | 185-0160-00290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,464 sqft Gross Area |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 1,318 sqft |
| Finished Basement | 1,318 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 226,639 sqft (5.2 acres) |
| Garage Area | 1,728 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 95 sqft |
| Storage Building | 360 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 902775 |
|---|---|
| Street Address | 408 SAINT LOUIS RIVER RD |
| City | DULUTH |
| State | MN |
| Zip | 55810-2529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 2 & 3 SERIAL # |
| Legal Subdivision | MAPLE GROVE PARK ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 1-3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | PROCTOR |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 10100 |
408 Saint Louis River Rd is owned and occupied by an individual who bought it in April 2014.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 408 SAINT LOUIS RIVER RD, DULUTH, MN 55810-2529 |
| 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.
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 10, 2014 · Amount on File |
| Deed Sale | Apr 10, 2014 · Amount on File |
| Prior Sale | Jul 6, 2010 · Amount on File |
| Deed Document Number | 2014943214 |
| Transfer Doc | 0000733047 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 408 SAINT LOUIS RIVER RD, DULUTH, MN 55810-2529 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 408 SAINT LOUIS RIVER RD, PROCTOR, MN 55810-2529 |
| Document Number | 0001056895 |
|---|---|
| Date | May 24, 2022 |
| Instrument | 1056895 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 408 SAINT LOUIS RIVER RD, DULUTH, MN 55810-2529 |
| Document Number | 00T1033032 |
| Instrument Date | Oct 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 408 SAINT LOUIS RIVER RD PROCTOR MN 558102529, PROCTOR, MN 55810-2529 |
| Document Number | 00T1033032 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | T1033032 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 2, 2045 |
The 2026 property tax bill for 408 Saint Louis River Rd was $5,006, down 4.8% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Proctor City |
| Unified School District | Proctor Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,006.00 (-4.76%) | ||
| 2025 | $5,256.00 (+12.31%) | $349,100 (-6.61%) Land $82,900 Building $266,200 | $349,100 (-6.61%) Land $82,900 Building $266,200 |
| 2024 | $4,680.00 | $373,800 Land $62,100 Building $311,700 | $373,800 Land $62,100 Building $311,700 |
| 2022 | $291,500 Land $51,700 Building $239,800 | $291,500 Land $51,700 Building $239,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 Saint Louis River Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.
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 |
| Nearby Flood Claims | 6 (1978–2012) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
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 risk around 408 Saint Louis River Rd 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 94% of the US · lower than 82% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Proctor serves 3,099 people · EPA ID MN1690042 |
|---|---|
| Water Source | Purchased surface water from Duluth |
| Last State Inspection | Nov 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Airfiber, T-Mobile.
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