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523 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 523 W 3rd St, Duluth, MN 55806 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.75 ba · 2,203 sqft · built 1890
Lot Size0.117 acres (5,101 sqft)
OwnerIndividual Name on File
Last Sale$265,000 (Apr 2022)
Tax Bill$3,942 (2026)
Deeds & MortgagesApr 2022 Sale & Mortgage
Oct 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN010-1270-00830

Property Details

APN / Parcel Number

Primary APN010-1270-00830
Alternative APN
  • 1129382

Interior

Bedrooms4 Beds
Full Baths2.75 Baths
Total Rooms4 Rooms
Stories2 Stories
Building Area2,203 sqft Gross Area
1st Floor Area1,186 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Architectural StyleTriplex
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Lot Area5,101 sqft (0.117 acres)

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchSlab
Porch Area294 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number1129382
Street Address523 W 3RD ST
CityDULUTH
StateMN
Zip55806-2401
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 87 AND E 23 FT OF LOT 89 EX N10 FT FOR ALLEY SERIAL #
Legal SubdivisionDULUTH PROPER THIRD DIVISION
Legal Block33
Legal Lot Number87,89
JurisdictionST LOUIS MN
Township / Civil DivisionDULUTH
Census Block Group2
Census Block2020
Census Tract1800

Owner

Source: St. Louis County records · APN 010-1270-00830

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address523 W 3RD ST, DULUTH, MN 55806-2401
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 25, 2022Warranty Deed, Transfer · FHA Mortgage
RESULTS MORTGAGE LLC
Oct 19, 2021Warranty Deed, Transfer · Commercial Mortgage
NATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 25, 2022 · Amount on Record
Deed SaleApr 25, 2022 · Amount on Record
Prior SaleNov 20, 2012 · Amount on Record
Deed Document Number20221441788
Record UpdatedSep 20, 2026

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateApr 25, 2022
Property Address523 W 3RD ST, DULUTH, MN 55806-2401
Document Number0001441788
Instrument DateApr 22, 2022
Instrument1441788
Transaction TypeTransfer
Record UpdatedOct 21, 2025
Title CompanyNORTH SHORE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$874.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address523 W 3RD ST, DULUTH, MN 55806-2401

Mortgage

Document Number0001441789
DateApr 25, 2022
Instrument1441789
Lender
NameRESULTS MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateOct 19, 2021
Property Address523 W 3RD ST, DULUTH, MN 55806-2401
Document Number0001427680
Instrument DateOct 12, 2021
Instrument1427680
Transaction TypeTransfer
Record UpdatedOct 21, 2025
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$836.55
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7702 ALBERT RD, SAGINAW, MN 55779-9676

Mortgage

Document Number0001427681
DateOct 19, 2021
Instrument1427681
Lender
NameNATIONAL BANK OF COMMERCE
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityDuluth City
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$3,942.00 (+13.15%) Homeowner's exemption
2025$3,484.00 (+2.89%) Homeowner's exemption$316,000 (+14.95%) Land $40,600 Building $275,400$316,000 (+14.95%) Land $40,600 Building $275,400
2024$3,386.00 (+2.61%)$274,900 (+17.58%) Land $39,300 Building $235,600$274,900 (+17.58%) Land $39,300 Building $235,600
2023$3,300.00 Homeowner's exemption
2022$233,800 (+16.2%) Land $35,700 Building $198,100$233,800 (+16.2%) Land $35,700 Building $198,100
2021$201,200 Land $19,300 Building $181,900$201,200 Land $19,300 Building $181,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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