48 Howard Gnesen Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 48 Howard Gnesen Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,736 sqft · built 1911
Lot Size	0.468 acres (20,409 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Apr 2024)
Tax Bill	$3,824 (2026)
Deeds & Mortgages	Apr 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`010-2160-00090`

Property Details

APN / Parcel Number

Primary APN	`010-2160-00090`
Alternative APNs	`1156664` `57980`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,736 sqft Gross Area
1st Floor Area	1,040 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1924
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Lot Area	20,409 sqft (0.468 acres)
Garage Area	1,620 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	320 sqft
Deck Area	40 sqft
Storage Building	165 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1156664
Street Address	48 HOWARD GNESEN RD
City	DULUTH
State	MN
Zip	55811-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8 AND 9 AND THAT PART OF LOT 10 LYINGNLY AND WLY OF A LINE BEG AT COMMON CORNEROF LOTS 7 8 AND 10; THENCE NELY 27 FT
Legal Subdivision	HENDRICKSENS SUNNYSIDE ADD TO
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2009
Census Tract	400

Owner

48 Howard Gnesen Rd is owned by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2024 · Amount on File
Deed Sale	Apr 17, 2024 · Amount on File
Deed Document Number	20241486256
Prior Transfer Date	Sep 5, 2002
Prior Transfer Doc	0000869039
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 17, 2024
Property Address	48 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Document Number	0001486256
Instrument Date	Mar 29, 2024
Instrument	1486256
Transaction Type	Transfer
Record Updated	May 9, 2024

Transaction

Amount	Amount on Record
Tax	$247.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	38 HOWARD GNESEN RD, DULUTH, MN 55811-1612

Tax Assessment & Valuation

The 2026 property tax bill for 48 Howard Gnesen Rd was $3,824, up 21.6% 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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,824.00 (+21.55%)
2025	$3,146.00 (-7.85%) Homeowner's exemption	$295,500 (+18.2%) Land $54,300 Building $241,200	$295,500 (+18.2%) Land $54,300 Building $241,200
2024	$3,414.00	$250,000 Land $91,900 Building $158,100	$250,000 Land $91,900 Building $158,100
2022		$236,000 Land $86,100 Building $149,900	$236,000 Land $86,100 Building $149,900

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

Flood

FEMA maps place 48 Howard Gnesen Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	2 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · other causes

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 48 Howard Gnesen Rd is low, with 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 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.

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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20