421 Saint Louis River Rd, Duluth, MN 55810 Property Records

St. Louis County property record for 421 Saint Louis River Rd, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,930 sqft · built 1978
Lot Size	5.24 acres (228,254 sqft)
Owner	2 Individual Names on File
Last Sale	$546,000 (May 2026)
Tax Bill	$4,832 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0240-00035`

Property Details

APN / Parcel Number

Primary APN	`185-0240-00035`
Alternative APNs	`1000626` `1197172`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,930 sqft Gross Area
1st Floor Area	1,174 sqft
Basement Area	1,044 sqft
Finished Basement	1,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Lot Area	228,254 sqft (5.24 acres)
Garage Area	1,700 sqft

Exterior Amenities

Porch	Patio
Porch Area	256 sqft
Deck Area	80 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1197172
Street Address	421 SAINT LOUIS RIVER RD
City	DULUTH
State	MN
Zip	55810-2528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 230 FEET OF W1/2 OF E1/2 OF NE1/4OF NW1/4 N OF ST LOUIS RIVER RD SERIAL #
Legal Range	15W
Legal Township	49N
Legal Section	03
Legal Subdivision	PROCTOR LANDS IN THE CITY
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2021
Census Tract	10302

Owner

421 Saint Louis River Rd is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	421 SAINT LOUIS RIVER RD, DULUTH, MN 55810-2528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 8, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2026 · Amount on File
Deed Sale	May 8, 2026 · Amount on File
Prior Sale	Jan 24, 2001 · Amount on File
Deed Document Number	20261101313
Prior Transfer Date	Nov 18, 2015
Prior Transfer Doc	000T965187
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	421 SAINT LOUIS RIVER RD, DULUTH, MN 55810-2528
Transaction Type	Mortgage
Record Updated	May 29, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SAINT LOUIS RIVER RD, PROCTOR, MN 55810-2528

Mortgage

Document Number	0001059940
Date	Aug 11, 2022
Instrument	1059940

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 15, 2037

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 8, 2026
Property Address	421 SAINT LOUIS RIVER RD, DULUTH, MN 55810-2528
Document Number	0001101313
Instrument Date	Apr 30, 2026
Instrument	2026.1101313
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,981.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	421 SAINT LOUIS RIVER RD, DULUTH, MN 55810-2528

Mortgage

Document Number	0001101314,
Date	May 8, 2026
Instrument	2026.1101314

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	421 SAINT LOUIS RIVER RD, DULUTH, MN 55810-2528
Document Number	00T1029373
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SAINT LOUIS RIVER RD DULUTH MN 558102528, DULUTH, MN 55810-2528

Mortgage

Document Number	00T1029373
Date	Sep 23, 2020
Instrument	T1029373

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 421 Saint Louis River Rd was $4,832 with a homeowner's exemption, down 9.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,832.00 (-9.48%) Homeowner's exemption
2025	$5,338.00 (+11.3%) Homeowner's exemption	$350,900 (-10.07%) Land $78,000 Building $272,900	$350,900 (-10.07%) Land $78,000 Building $272,900
2024	$4,796.00	$390,200 Land $64,700 Building $325,500	$390,200 Land $64,700 Building $325,500
2022		$305,800 Land $55,400 Building $250,400	$305,800 Land $55,400 Building $250,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 421 Saint Louis River Rd in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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

Wildfire risk around 421 Saint Louis River Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber · Cable in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Airfiber.

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