414 Aspen Ln, Duluth, MN 55804 Property Records

St. Louis County property record for 414 Aspen Ln, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,424 sqft · built 1969
Lot Size	0.358 acres (15,601 sqft)
Owner	Individual Name on Record
Last Sale	$725,000 (Nov 2025)
Tax Bill	$7,218 (2026)
Deeds & Mortgages	Apr 2026 Transfer Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2223-00140`

Property Details

APN / Parcel Number

Primary APN	`010-2223-00140`
Alternative APNs	`1189650` `769099`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,424 sqft Gross Area
1st Floor Area	1,384 sqft
Basement Area	595 sqft
Finished Basement	595 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Lot Area	15,601 sqft (0.358 acres)
Garage Area	462 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	100 sqft
Deck Area	539 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1189650
Street Address	414 ASPEN LN
City	DULUTH
State	MN
Zip	55804-1706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0014 BLOCK:000 SERIAL #
Legal Subdivision	HILDING S F1RST DIVISION
Legal Lot Number	14
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2000
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	414 ASPEN LN, DULUTH, MN 55804-1706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Nov 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Mar 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Oct 29, 2004 · Amount on Record
Deed Document Number	20251095832
Prior Transfer Date	Jun 17, 2009
Prior Transfer Doc	000T996039
Record Updated	Sep 20, 2026

April 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 22, 2026
Property Address	414 ASPEN LN, DULUTH, MN 55804-1706
Document Number	0001100760
Instrument Date	Apr 22, 2026
Instrument	20261100760
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 ASPEN LN, DULUTH, MN 55804-1706

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	414 ASPEN LN, DULUTH, MN 55804-1706
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5007 COLORADO ST, DULUTH, MN 55804-1609

Mortgage

Document Number	0001095833
Date	Nov 4, 2025
Instrument	1095833

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 19, 2018
Property Address	414 ASPEN LN, DULUTH, MN 55804-1706
Document Number	000T996039
Instrument Date	Jun 17, 2009
Instrument	T996039
Transaction Type	Transfer
Record Updated	Apr 12, 2018
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	Revocable Trust
Address	414 ASPEN LN DULUTH MN 558041706, DULUTH, MN 55804-1706

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	$7,218.00 (+5.16%) Homeowner's exemption
2025	$6,864.00 (-1.01%) Homeowner's exemption	$594,700 (+18.47%) Land $73,900 Building $520,800	$594,700 (+18.47%) Land $73,900 Building $520,800
2024	$6,934.00	$502,000 (+9.89%) Land $68,900 Building $433,100	$502,000 (+9.89%) Land $68,900 Building $433,100
2022		$456,800 Land $48,000 Building $408,800	$456,800 Land $48,000 Building $408,800

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (1980)
Most Recent Claim	Sep 1980 · rainfall accumulation

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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