411 Aspen Ln, Duluth, MN 55804 Property Records

St. Louis County property record for 411 Aspen Ln, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,171 sqft · built 1972
Lot Size	0.323 acres (14,078 sqft)
Owner	Individual Name on Record
Tax Bill	$4,484 (2026)
Deeds & Mortgages	Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-2223-00060`

Property Details

APN / Parcel Number

Primary APN	`010-2223-00060`
Alternative APN	`538828`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,171 sqft Gross Area
1st Floor Area	1,171 sqft
Basement Area	844 sqft
Finished Basement	844 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	14,078 sqft (0.323 acres)
Garage Area	500 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	224 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	538828
Street Address	411 ASPEN LN
City	DULUTH
State	MN
Zip	55804-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0006 BLOCK:000 SERIAL #
Legal Subdivision	HILDINGS FIRST DIV DULUTH
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1003
Census Tract	700

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	411 ASPEN LN, DULUTH, MN 55804-1707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	411 ASPEN LN, DULUTH, MN 55804-1707
Document Number	00T1035219
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	411 ASPEN LN DULUTH MN 558041707, DULUTH, MN 55804-1707

Mortgage

Document Number	00T1035219
Date	Jan 15, 2021
Instrument	T1035219

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 14, 2031

Interest

Rate Type	Adjustable Rate

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	$4,484.00 (+4.67%) Homeowner's exemption
2025	$4,284.00 (-9.81%) Homeowner's exemption	$348,200 (+6.42%) Land $69,500 Building $278,700	$348,200 (+6.42%) Land $69,500 Building $278,700
2024	$4,750.00	$327,200 (+2.93%) Land $64,800 Building $262,400	$327,200 (+2.93%) Land $64,800 Building $262,400
2022		$317,900 Land $45,200 Building $272,700	$317,900 Land $45,200 Building $272,700

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	3 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	None beyond ember reach

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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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