49 Waterview Dr, Unit 8, Duluth, MN 55810 Property Records

St. Louis County property record for 49 Waterview Dr, Unit 8, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,735 sqft · built 2006
Lot Size	0.024 acres (1,083 sqft)
Owner	Individual Name on File
Last Sale	$254,000 (Jan 2022)
Tax Bill	$3,634 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`185-0237-00080`

Property Details

APN / Parcel Number

Primary APN	`185-0237-00080`
Alternative APN	`1124388`

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	1,083 sqft (0.024 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	1124388
Street Address	49 WATERVIEW DR, 8
City	DULUTH
State	MN
Zip	55810-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 8 AND AN UNDIVIDED INTEREST IN THECOMMON ELEMENTS SERIAL #
Legal Subdivision	CIC #110 WATERVIEW TOWNHOMES
Legal Unit	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	3
Census Block	3013
Census Tract	10100

Owner

49 Waterview Dr, Unit 8 is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	49 WATERVIEW DR, 8, DULUTH, MN 55810-2402
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
Jan 7, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Sep 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOME TOWN FCU
Mar 1, 2019	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Oct 9, 2017	Deed of Trust, Mortgage · Line of Credit HARBOR PT CU
Aug 29, 2017	Warranty Deed, Transfer · Line of Credit HARBOR PT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2022 · Amount on File
Deed Sale	Jan 7, 2022 · Amount on File
Prior Sale	Mar 1, 2019 · Amount on File
Deed Document Number	20221434838
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 7, 2022
Property Address	49 WATERVIEW DR UNIT 8, 8, DULUTH, MN 55810-2402
Document Number	0001434838
Instrument Date	Jan 5, 2022
Instrument	1434838
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$838.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 WATERVIEW DR UNIT 8, 8, PROCTOR, MN 55810-2402

Mortgage

Document Number	0001434839
Date	Jan 7, 2022
Instrument	1434839

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	49 WATERVIEW DR UNIT 8, 8, DULUTH, MN 55810-2402
Document Number	00A1364218
Instrument Date	Sep 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 WATERVIEW DR #8 PROCTOR MN 558102402, 8, PROCTOR, MN 55810-2402

Mortgage

Document Number	00A1364218
Date	Sep 26, 2019
Instrument	A1364218

Lender

Name	HOME TOWN FCU
Type	Credit Union
Address	OWATONNA, MN 55060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 25, 2034

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 1, 2019
Property Address	49 WATERVIEW DR UNIT 8, 8, DULUTH, MN 55810-2402
Document Number	0001350872
Instrument Date	Feb 28, 2019
Instrument	1350872
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	NORTH SHORE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 WATERVIEW DR UNIT 8, 8, DULUTH, MN 55810-2402

Mortgage

Document Number	0001350873
Date	Mar 1, 2019
Instrument	1350873

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	49 WATERVIEW DR UNIT 8, 8, DULUTH, MN 55810-2402
Document Number	00A1319640
Instrument Date	Oct 9, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	49 WATERVIEW DR #8 PROCTOR MN 558102402, 8, PROCTOR, MN 55810-2402

Mortgage

Document Number	00A1319640
Date	Oct 10, 2017
Instrument	A1319640

Lender

Name	HARBOR PT CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 9, 2022

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 29, 2017
Property Address	49 WATERVIEW DR UNIT 8, 8, DULUTH, MN 55810-2402
Document Number	00A1316474
Instrument Date	Aug 28, 2017
Instrument	A1316474
Transaction Type	Transfer
Record Updated	Sep 12, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	49 WATERVIEW DR #8 PROCTOR MN 558102402, 8, PROCTOR, MN 55810-2402

Mortgage

Document Number	A1316475
Date	Aug 29, 2017
Instrument	A1316475

Lender

Name	HARBOR PT CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 28, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 49 Waterview Dr, Unit 8 was $3,634 with a homeowner's exemption, down 2.9% 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	$3,634.00 (-2.94%) Homeowner's exemption
2025	$3,744.00 (+2.8%) Homeowner's exemption	$273,200 (-4.14%) Land $35,200 Building $238,000	$273,200 (-4.14%) Land $35,200 Building $238,000
2024	$3,642.00	$285,000 Land $28,900 Building $256,100	$285,000 Land $28,900 Building $256,100
2022		$244,300 Land $25,200 Building $219,100	$244,300 Land $25,200 Building $219,100

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 8 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 8 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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