49 Waterview Dr, Unit 10, Duluth, MN 55810 Property Records

St. Louis County property record for 49 Waterview Dr, Unit 10, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,735 sqft · built 2006
Lot Size	0.025 acres (1,088 sqft)
Owner	Individual Name on File
Last Sale	$217,500 (Dec 2018)
Tax Bill	$3,524 (2026)
Deeds & Mortgages	May 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0237-00100`

Property Details

APN / Parcel Number

Primary APN	`185-0237-00100`
Alternative APN	`1063123`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,735 sqft Gross Area
1st Floor Area	1,049 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	1,088 sqft (0.025 acres)
Garage Area	98 sqft
Porch	Slab
Porch Area	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1063123
Street Address	49 WATERVIEW DR, 10
City	DULUTH
State	MN
Zip	55810-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 10 AND AN UNDIVIDED INTEREST IN THECOMMON ELEMENTS SERIAL #
Legal Subdivision	COMMON INTEREST COMMUNITY NO 110
Legal Unit	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	3
Census Block	3013
Census Tract	10100

Owner

49 Waterview Dr, Unit 10 is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	49 WATERVIEW DR, DULUTH, MN 55810-2400
Occupancy	Owner Occupied
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

Date	Document
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FNDG
Dec 5, 2018	Warranty Deed, Transfer · Conventional with PMI NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2018 · Amount on File
Deed Sale	Dec 5, 2018 · Amount on File
Prior Sale	Aug 27, 2007 · Amount on File
Deed Document Number	20181345959
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	49 WATERVIEW DR UNIT 10, 10, DULUTH, MN 55810-2402
Document Number	00A1380362
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 WATERVIEW DR #10 PROCTOR MN 558102402, 10, PROCTOR, MN 55810-2402

Mortgage

Document Number	00A1380362
Date	May 20, 2020
Instrument	A1380362

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 5, 2018
Property Address	49 WATERVIEW DR UNIT 10, 10, DULUTH, MN 55810-2402
Document Number	00A1345959
Instrument Date	Nov 13, 2018
Instrument	A1345959
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$717.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 WATERVIEW DR PROCTOR MN 558102400, PROCTOR, MN 55810-2400

Mortgage

Document Number	A1345960
Date	Dec 5, 2018
Instrument	A1345960

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 49 Waterview Dr, Unit 10 was $3,524 with a homeowner's exemption, down 3.7% 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	$3,524.00 (-3.66%) Homeowner's exemption
2025	$3,658.00 (+2.7%) Homeowner's exemption	$266,100 (-4.76%) Land $35,200 Building $230,900	$266,100 (-4.76%) Land $35,200 Building $230,900
2024	$3,562.00	$279,400 Land $28,900 Building $250,500	$279,400 Land $28,900 Building $250,500
2022		$239,500 Land $25,200 Building $214,300	$239,500 Land $25,200 Building $214,300

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

Flood

FEMA maps place 49 Waterview Dr, Unit 10 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	2 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 49 Waterview Dr, Unit 10 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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 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	3 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Airfiber Fixed Wireless	100 / 20

May also be available: T-Mobile.

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