50 Howard Gnesen Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 50 Howard Gnesen Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,221 sqft · built 1917
Lot Size	0.307 acres (13,378 sqft)
Owner	Individual Name on Record
Tax Bill	$3,174 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3500-00320`

Property Details

APN / Parcel Number

Primary APN	`010-3500-00320`
Alternative APN	`60915`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,221 sqft Gross Area
1st Floor Area	792 sqft
Basement Area	396 sqft
Finished Basement	396 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1948
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	13,378 sqft (0.307 acres)
Garage Area	672 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	42 sqft
Storage Building	90 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	60915
Street Address	50 HOWARD GNESEN RD
City	DULUTH
State	MN
Zip	55811-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF OUTLOT 26 LYING W OF A LINERUNNING FROM A POINT ON THE N LINE OF SAIDLOT 433 FT W OF NE CORNER SWLY AT AN
Legal Subdivision	NORTONS DULUTH OUTLOTS
Legal Lot Number	26
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2009
Census Tract	400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	50 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 22, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Nov 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 31, 2021
Transfer Doc	0001424246
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	50 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001417883
Date	Jun 30, 2021
Instrument	1417883

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	50 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Document Number	00A1401271
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	50 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612

Mortgage

Document Number	00A1401271
Date	Jan 15, 2021
Instrument	A1401271

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	50 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Document Number	00A1355958
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	50 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612

Mortgage

Document Number	00A1355958
Date	Jun 4, 2019
Instrument	A1355958

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jun 3, 2039

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	50 HOWARD GNESEN RD, DULUTH, MN 55811-1612
Document Number	00A1322580
Instrument Date	Nov 14, 2017
Transaction Type	Mortgage
Record Updated	Dec 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	50 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612

Mortgage

Document Number	00A1322580
Date	Nov 20, 2017
Instrument	A1322580

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 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	$3,174.00 (+24.28%) Homeowner's exemption Disabled Person's exemption
2025	$2,554.00 (-8.72%) Homeowner's exemption Disabled Person's exemption	$283,500 (+20.48%) Land $51,400 Building $232,100	$283,500 (+20.48%) Land $51,400 Building $232,100
2024	$2,798.00	$235,300 (+5.99%) Land $87,100 Building $148,200	$235,300 (+5.99%) Land $87,100 Building $148,200
2022		$222,000 Land $81,600 Building $140,400	$222,000 Land $81,600 Building $140,400

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	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

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

Wildfire Risk	Low lower than 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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