512 N Ugstad Rd, Duluth, MN 55810 Property Records

St. Louis County property record for 512 N Ugstad Rd, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,210 sqft · built 1926
Lot Size	0.114 acres (5,003 sqft)
Owner	Individual Name on File
Tax Bill	$1,998 (2026)
Deeds & Mortgages	May 2019 Line of Credit May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`450-0070-00280`

Property Details

APN / Parcel Number

Primary APN	`450-0070-00280`
Alternative APN	`550169`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,210 sqft Gross Area
1st Floor Area	781 sqft
Basement Area	195 sqft
Finished Basement	195 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,003 sqft (0.114 acres)
Garage Area	896 sqft

Exterior Amenities

Porch	Slab
Porch Area	154 sqft
Deck Area	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	550169
Street Address	512 N UGSTAD RD
City	DULUTH
State	MN
Zip	55810-1830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT: 06 BLOCK:002 SERIAL #
Legal Subdivision	MIDWAY PARK ADD TO PROCTOR MID
Legal Block	2
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1025
Census Tract	10200

Owner

512 N Ugstad Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	512 N UGSTAD RD, DULUTH, MN 55810-1830
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 21, 2019	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
May 21, 2019	Deed of Trust, Mortgage · Conventional with PMI HARBOR POINTE CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	512 N UGSTAD RD, DULUTH, MN 55810-1830
Document Number	00A1355634
Instrument Date	May 21, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 N UGSTAD RD PROCTOR MN 558101830, PROCTOR, MN 55810-1830

Mortgage

Document Number	00A1355634
Date	May 30, 2019
Instrument	A1355634

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 29, 2034

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	512 N UGSTAD RD, DULUTH, MN 55810-1830
Document Number	00A1355633
Instrument Date	May 21, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 N UGSTAD RD PROCTOR MN 558101830, PROCTOR, MN 55810-1830

Mortgage

Document Number	00A1355633
Date	May 30, 2019
Instrument	A1355633

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	120 Months
Due	May 29, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 512 N Ugstad Rd was $1,998 with a homeowner's exemption, up 15.1% 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
County Subdivision	Midway Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,998.00 (+15.09%) Homeowner's exemption
2025	$1,736.00 (+6.11%) Homeowner's exemption	$198,900 (+20.25%) Land $11,500 Building $187,400	$198,900 (+20.25%) Land $11,500 Building $187,400
2024	$1,636.00	$165,400 Land $14,100 Building $151,300	$165,400 Land $14,100 Building $151,300
2022		$135,300 Land $12,400 Building $122,900	$135,300 Land $12,400 Building $122,900

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

Flood

FEMA maps place 512 N Ugstad Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2018–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2019 · rainfall accumulation

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 512 N Ugstad Rd is low, with less than 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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: T-Mobile.

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