424 Upham Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 424 Upham Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,117 sqft · built 1922
Lot Size	0.469 acres (20,447 sqft)
Owner	2 Individual Names on Record
Last Sale	$233,500 (Sep 2026)
Tax Bill	$3,196 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0550-00100`

Property Details

APN / Parcel Number

Primary APN	`010-0550-00100`
Alternative APN	`727002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,117 sqft Gross Area
1st Floor Area	668 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1935
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	20,447 sqft (0.469 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Patio
Porch Area	111 sqft
Deck Area	74 sqft
Patio Area	91 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	727002
Street Address	424 UPHAM RD
City	DULUTH
State	MN
Zip	55811-5533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF LOTS 9 AND 10 N OF THE CENTRALHWY SERIAL #
Legal Subdivision	CLEARVIEW PARK
Legal Block	1
Legal Lot Number	9-10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2013
Census Tract	301

Owner

Source: St. Louis County records, as of September 23, 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	424 UPHAM RD, DULUTH, MN 55811-5533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026 · Amount on Record
Deed Sale	Sep 10, 2026 · Amount on Record
Prior Sale	Jul 5, 2005 · Amount on Record
Deed Document Number	20261105789
Prior Transfer Date	Mar 13, 2001
Prior Transfer Doc	0000697683
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 10, 2026
Property Address	424 UPHAM RD, DULUTH, MN 55811-5533
Document Number	0001105789
Instrument Date	Sep 10, 2026
Instrument	20261105789
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$77,825.55
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	424 UPHAM RD, DULUTH, MN 55811-5533

Mortgage

Document Number	0001105790,
Date	Sep 10, 2026
Instrument	20261105790

Lender

Name	GRANITE BANK

Agreement

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

Interest

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

Mortgage

Document Number	0001105791,
Date	Sep 10, 2026
Instrument	20261105791

Lender

Name	GRANITE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

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	$3,196.00 (+3.1%)
2025	$3,100.00 (+7.27%)	$229,300 (+1.87%) Land $72,300 Building $157,000	$229,300 (+1.87%) Land $72,300 Building $157,000
2024	$2,890.00	$225,100 (+13.4%) Land $52,900 Building $172,200	$225,100 (+13.4%) Land $52,900 Building $172,200
2022		$198,500 Land $56,900 Building $141,600	$198,500 Land $56,900 Building $141,600

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 AE, within 500 ft
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

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

Wildfire Risk	Not rated no burnable land 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	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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T.

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