415 Gold St, Duluth, MN 55811 Property Records

St. Louis County property record for 415 Gold St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,008 sqft · built 1950
Lot Size	0.142 acres (6,221 sqft)
Owner	Company Name on Record
Last Sale	$1,790,000 (Dec 2021)
Tax Bill	$3,188 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3570-03020`

Property Details

APN / Parcel Number

Primary APN	`010-3570-03020`
Alternative APN	`1123405`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,008 sqft Gross Area
1st Floor Area	624 sqft
Basement Area	312 sqft
Finished Basement	312 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,221 sqft (0.142 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	128 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1123405
Street Address	415 GOLD ST
City	DULUTH
State	MN
Zip	55811-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 AND 8 SERIAL #
Legal Subdivision	OAKLAND PARK ADD TO DULUTH
Legal Block	26
Legal Lot Number	7-8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3001
Census Tract	15700

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	Company Name on Record
Mailing Address	2830 E 4TH ST, DULUTH, MN 55812-1501
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Commercial Mortgage SEVEN BRIDGES PROPERTIES LLC
Dec 28, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage JUDY LYNN WEBER
Dec 28, 2021	Re-recorded Document FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Feb 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Dec 28, 2021 · Amount on Record
Deed Document Number	20211433759
Prior Transfer Date	Dec 12, 2005
Prior Transfer Doc	0001004812
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	415 GOLD ST, DULUTH, MN 55811-2410
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001433760
Date	Dec 28, 2021
Instrument	1433760

Lender

Name	SEVEN BRIDGES PROPERTIES LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Dec 16, 2023

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 28, 2021
Property Address	415 GOLD ST, DULUTH, MN 55811-2410
Document Number	0001051505
Instrument Date	Dec 16, 2021
Instrument	1051505
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,907.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2830 E 4TH ST, DULUTH, MN 55812-1501
Investor	Possibly a Property Investor

Mortgage

Document Number	0001051506
Date	Dec 28, 2021
Instrument	1051506

Lender

Name	JUDY LYNN WEBER
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Dec 16, 2023

December 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ST LOUIS MN
Recording Date	Dec 28, 2021
Property Address	415 GOLD ST, DULUTH, MN 55811-2410
Document Number	0001433759
Instrument Date	Dec 16, 2021
Instrument	1433759
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2830 E 4TH ST, DULUTH, MN 55812-1501
Investor	Possibly a Property Investor

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	415 GOLD ST, DULUTH, MN 55811-2410
Document Number	00A1328237
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1515 WOODLAND AVE DULUTH MN 558032627, DULUTH, MN 55803-2627

Mortgage

Document Number	00A1328237
Date	Feb 26, 2018
Instrument	A1328237

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816-0450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 25, 2023

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	$3,188.00 (+5.01%)
2025	$3,036.00 (+7.66%)	$235,600 (+6.9%) Land $27,300 Building $208,300	$235,600 (+6.9%) Land $27,300 Building $208,300
2024	$2,820.00	$220,400 (+17.17%) Land $38,200 Building $182,200	$220,400 (+17.17%) Land $38,200 Building $182,200
2022		$188,100 Land $36,200 Building $151,900	$188,100 Land $36,200 Building $151,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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