4181 Acorn Ln, Duluth, MN 55803 Property Records

St. Louis County property record for 4181 Acorn Ln, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,840 sqft · built 1994
Lot Size	3.7 acres (161,172 sqft)
Owner	Individual Name on Record
Last Sale	$610,000 (Oct 2021)
Tax Bill	$6,638 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`375-0010-00572`

Property Details

APN / Parcel Number

Primary APN	`375-0010-00572`
Alternative APN	`1119375`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,840 sqft Gross Area
1st Floor Area	1,330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Metal
Construction Type	Frame
Lot Area	161,172 sqft (3.7 acres)
Garage Area	1,752 sqft

Exterior Amenities

Porch	Slab
Porch Area	125 sqft
Deck Area	396 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1119375
Street Address	4181 ACORN LN
City	DULUTH
State	MN
Zip	55803-8312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	THAT PART OF THE UNFLOODED PORTION OFG.L.3 DESCRIBED AS FOLLOWS COMM AT SECOR OF G.L.3 THENCE N01DE47'17"E 1201 FTTO SHORE OF
Legal Range	14W
Legal Township	52N
Legal Section	04
Legal Subdivision	GNESEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2002
Census Tract	10601

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4181 ACORN LN, DULUTH, MN 55803-8312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 27, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH SHORE BK/COMMERCE
Apr 1, 2019	Deed, Transfer · VA Mortgage HANCOCK MORTGAGE PARTNERS LLC
Feb 16, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2021 · Amount on Record
Deed Sale	Oct 20, 2021 · Amount on Record
Prior Sale	Apr 1, 2019 · Amount on Record
Deed Document Number	20211427833
Prior Transfer Date	Feb 15, 2017
Prior Transfer Doc	00A1304237
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 20, 2021
Property Address	4181 ACORN LN, DULUTH, MN 55803-8312
Document Number	0001427833
Instrument Date	Oct 13, 2021
Instrument	1427833
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,013.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4181 ACORN LN, DULUTH, MN 55803-8312

Mortgage

Document Number	0001427834
Date	Oct 20, 2021
Instrument	1427834

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4181 ACORN LN, DULUTH, MN 55803-8312
Document Number	00A1377283
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4181 ACORN LN DULUTH MN 558038312, DULUTH, MN 55803-8312

Mortgage

Document Number	00A1377283
Date	Apr 10, 2020
Instrument	A1377283

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2050

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 1, 2019
Property Address	4181 ACORN LN, DULUTH, MN 55803-8312
Document Number	0001352326
Instrument Date	Mar 16, 2019
Instrument	1352326
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	NORTH SHORE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4181 ACORN LN, DULUTH, MN 55803-8312

Mortgage

Document Number	0001352327
Date	Apr 1, 2019
Instrument	1352327

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 16, 2017
Property Address	4181 ACORN LN, DULUTH, MN 55803-8312
Document Number	00A1304237
Instrument Date	Feb 15, 2017
Instrument	A1304237
Transaction Type	Transfer
Record Updated	Mar 2, 2017
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	Personal Trust
Address	4181 ACORN LN DULUTH MN 558038312, DULUTH, MN 55803-8312

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Gnesen Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,638.00 (+9.76%)
2025	$6,048.00 (+1.24%)	$803,000 (+42.07%) Land $213,000 Building $590,000	$803,000 (+42.07%) Land $213,000 Building $590,000
2024	$5,974.00	$565,200 (+5.06%) Land $214,100 Building $351,100	$565,200 (+5.06%) Land $214,100 Building $351,100
2022		$538,000 Land $204,700 Building $333,300	$538,000 Land $204,700 Building $333,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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