42 Locust Dr, Babbitt, MN 55706 Property Records

St. Louis County property record for 42 Locust Dr, Babbitt, MN 55706

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,104 sqft · built 1968
Lot Size	0.244 acres (10,647 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Mar 2026)
Tax Bill	$1,194 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-0053-00650`

Property Details

APN / Parcel Number

Primary APN	`105-0053-00650`
Alternative APNs	`1195916` `68241`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,104 sqft Gross Area
1st Floor Area	1,104 sqft
Basement Area	828 sqft
Finished Basement	828 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,647 sqft (0.244 acres)
Garage Area	432 sqft
Deck Area	336 sqft
Storage Building	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1195916
Street Address	42 LOCUST DR
City	BABBITT
State	MN
Zip	55706-1127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 65 BLOCK 16 SERIAL #
Legal Subdivision	BABBITT 8TH DIV CITY OF BABBIT
Legal Block	16
Legal Lot Number	65
Jurisdiction	ST LOUIS MN
Township / Civil Division	BABBITT
Census Block Group	1
Census Block	1029
Census Tract	14100

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	2 Individual Names on Record
Mailing Address	42 LOCUST DR, BABBITT, MN 55706-1127
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Re-recorded Document, Transfer · Conventional Mortgage LOWER LLC
Mar 20, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Deed Document Number	20261529359
Prior Transfer Date	Feb 27, 2026
Prior Transfer Doc	0001530302
Record Updated	Sep 20, 2026

April 2026: Re-recorded Document, Transfer

Document Type	Re-recorded Document
Jurisdiction	ST LOUIS MN
Recording Date	Apr 6, 2026
Property Address	42 LOCUST DR, BABBITT, MN 55706-1127
Document Number	0001530302
Instrument Date	Feb 27, 2026
Instrument	20261530302
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NORTHCOAST TITLE, NORTHEAST TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	42 LOCUST DR, BABBITT, MN 55706-1127

Mortgage

Document Number	0001530303,
Date	Apr 6, 2026
Instrument	20261530303

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate	6.1%
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 20, 2026
Property Address	42 LOCUST DR, BABBITT, MN 55706-1127
Document Number	0001529359
Instrument Date	Feb 27, 2026
Instrument	1529359
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	NORTHEAST FL TITLE LLC, NORTHEAST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
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	42 LOCUST DR, BABBITT, MN 55706-1127

Mortgage

Document Number	0001529360
Date	Mar 20, 2026
Instrument	1529360

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Babbitt City
County	St. Louis County
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,194.00 (+194.09%) Homeowner's exemption
2025	$406.00 (-65%) Homeowner's exemption	$143,200 (+27.18%) Land $6,800 Building $136,400	$143,200 (+27.18%) Land $6,800 Building $136,400
2024	$1,160.00	$112,600 (+14.66%) Land $6,800 Building $105,800	$112,600 (+14.66%) Land $6,800 Building $105,800
2022		$98,200 Land $6,000 Building $92,200	$98,200 Land $6,000 Building $92,200

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
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 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within 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	Babbitt serves 1,379 people · EPA ID MN1690003
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Zito Media Fiber	1,000 / 1,000

May also be available: CTC.

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