St. Louis County property record for 412 Elk St, Duluth, MN 55803 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 2,900 sqft · built 2004 |
| Lot Size | 1.71 acres (74,530 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (Oct 2003) |
| Tax Bill | $9,904 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Oct 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2010-01230 |
| Primary APN | 010-2010-01230 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,900 sqft Gross Area |
| 1st Floor Area | 2,676 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 74,530 sqft (1.71 acres) |
| Garage Area | 5,700 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | Deck Area |
| Storage Building | 48 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 769912 |
|---|---|
| Street Address | 412 ELK ST |
| City | DULUTH |
| State | MN |
| Zip | 55803-1412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0013 BLOCK:005 SERIAL # |
| Legal Subdivision | GREYSOLON FARMS FIRST DIVISION OF DULUTH |
| Legal Block | 5 |
| Legal Lot Number | 13 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 100 |
Source: St. Louis County records · APN 010-2010-01230
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 | 412 ELK ST, DULUTH, MN 55803-1412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 19, 2021 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 13, 2003 · Amount on Record |
| Deed Sale | Oct 13, 2003 · Amount on Record |
| Deed Document Number | 2003762480 |
| Last Transfer Date | Oct 04, 2021 |
| Transfer Doc | 0001047730 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 412 ELK ST, DULUTH, MN 55803-1412 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001063988 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 1063988 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 157 Months |
| Due | Dec 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 412 ELK ST, DULUTH, MN 55803-1412 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 412 ELK ST, DULUTH, MN 55803-1412 |
| Document Number | 0001048414 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 1048414 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,904.00 (+9.29%) Homeowner's exemption | ||
| 2025 | $9,062.00 (+3.95%) Homeowner's exemption | $678,800 (+7.35%) Land $78,300 Building $600,500 | $678,800 (+7.35%) Land $78,300 Building $600,500 |
| 2024 | $8,718.00 | $632,300 (+23.74%) Land $70,600 Building $561,700 | $632,300 (+23.74%) Land $70,600 Building $561,700 |
| 2022 | $511,000 Land $65,100 Building $445,900 | $511,000 Land $65,100 Building $445,900 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370001003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 69 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 35 |
May also be available at this address: Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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