St. Louis County property record for 5115 Ramsey St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,658 sqft · built 2002 |
| Lot Size | 0.068 acres (2,997 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $273,000 (Sep 2026) |
| Tax Bill | $4,012 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4530-03770 |
| Primary APN | 010-4530-03770 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,658 sqft Gross Area |
| 1st Floor Area | 829 sqft |
| Basement Area | 414 sqft |
| Finished Basement | 414 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 2,997 sqft (0.068 acres) |
| Garage Area | 248 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 205 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1137532 |
|---|---|
| Street Address | 5115 RAMSEY ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-2657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 EX WLY 15 FT & LOT 15 EX ELY 5 FT SERIAL # |
| Legal Subdivision | WEST DULUTH SEVENTH DIVISION |
| Legal Block | 189 |
| Legal Lot Number | 14-15 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 15800 |
Source: St. Louis County records, as of September 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5115 RAMSEY ST, DULUTH, MN 55807-2657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 8, 2026 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| Sep 26, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2026 · Amount on Record |
| Deed Sale | Sep 8, 2026 · Amount on Record |
| Prior Sale | Sep 13, 2012 · Amount on Record |
| Deed Document Number | 20261540005 |
| Prior Transfer Date | May 5, 2009 |
| Prior Transfer Doc | 0001109247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 8, 2026 |
| Property Address | 5115 RAMSEY ST, DULUTH, MN 55807-2657 |
| Document Number | 0001540005 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 20261540005 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | BURNET TITLE LLC, BURNET TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90,990.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5115 RAMSEY ST, DULUTH, MN 55807-2657 |
| Document Number | 0001540006, |
|---|---|
| Date | Sep 8, 2026 |
| Instrument | 20261540006 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 26, 2022 |
| Property Address | 5115 RAMSEY ST, DULUTH, MN 55807-2657 |
| Document Number | 0001452932 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 1452932 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5115 RAMSEY ST, 5115, DULUTH, MN 55807-2657 |
| Name | Verified Name |
|---|---|
| Address | 5115 RAMSEY ST, DULUTH, MN 55807-2657 |
| Investor | Possibly a Property Investor |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,012.00 (+0.7%) Homeowner's exemption | ||
| 2025 | $3,984.00 (+3.75%) Homeowner's exemption | $332,800 (+8.44%) Land $7,600 Building $325,200 | $332,800 (+8.44%) Land $7,600 Building $325,200 |
| 2024 | $3,840.00 | $306,900 (+52.76%) Land $8,200 Building $298,700 | $306,900 (+52.76%) Land $8,200 Building $298,700 |
| 2022 | $200,900 Land $6,600 Building $194,300 | $200,900 Land $6,600 Building $194,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1988–2012) |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 386 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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