427 Aspen Ln, Duluth, MN 55804 Property Records

St. Louis County property record for 427 Aspen Ln, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,690 sqft · built 1970
Lot Size	0.354 acres (15,453 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Aug 2020)
Tax Bill	$5,724 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2223-00090`

Property Details

APN / Parcel Number

Primary APN	`010-2223-00090`
Alternative APN	`1093670`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,690 sqft Gross Area
1st Floor Area	1,690 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Lot Area	15,453 sqft (0.354 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	240 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1093670
Street Address	427 ASPEN LN
City	DULUTH
State	MN
Zip	55804-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0009 BLOCK:000 SERIAL #
Legal Subdivision	HILDINGS FIRST DIV DULUTH
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1003
Census Tract	700

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	Individual Name on Record
Mailing Address	427 ASPEN LN, DULUTH, MN 55804-1707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Warranty Deed, Transfer · Conventional with PMI NEW AMERICAN FNDG
Mar 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Prior Sale	Sep 17, 2007 · Amount on Record
Deed Document Number	20201026923
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 5, 2020
Property Address	427 ASPEN LN, DULUTH, MN 55804-1707
Document Number	00T1026923
Instrument Date	Jul 28, 2020
Instrument	T1026923
Transaction Type	Transfer
Record Updated	Sep 18, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 ASPEN LN DULUTH MN 558041707, DULUTH, MN 55804-1707

Mortgage

Document Number	T1026924
Date	Aug 5, 2020
Instrument	T1026924

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Aug 4, 2035

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	427 ASPEN LN, DULUTH, MN 55804-1707
Document Number	000T983589
Instrument Date	Mar 28, 2017
Transaction Type	Mortgage
Record Updated	Apr 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	427 ASPEN LN DULUTH MN 558041707, DULUTH, MN 55804-1707

Mortgage

Document Number	000T983589
Date	Apr 3, 2017
Instrument	T983589

Lender

Name	WELLS FARGO BK
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 2, 2037

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	$5,724.00 (+4.64%) Homeowner's exemption
2025	$5,470.00 (+4.75%) Homeowner's exemption	$433,600 (+6.35%) Land $73,400 Building $360,200	$433,600 (+6.35%) Land $73,400 Building $360,200
2024	$5,222.00	$407,700 (+17.63%) Land $68,500 Building $339,200	$407,700 (+17.63%) Land $68,500 Building $339,200
2022		$346,600 Land $47,700 Building $298,900	$346,600 Land $47,700 Building $298,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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