605 Anderson Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 605 Anderson Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,904 sqft · built 1957
Lot Size	0.47 acres (20,481 sqft)
Owner	Individual Name on File
Last Sale	$318,000 (Nov 2022)
Tax Bill	$5,104 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0432-00050`

Property Details

APN / Parcel Number

Primary APN	`010-0432-00050`
Alternative APNs	`1140229` `980686`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,904 sqft Gross Area
1st Floor Area	1,260 sqft
Basement Area	518 sqft
Finished Basement	518 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	20,481 sqft (0.47 acres)
Garage Area	1,120 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area
Gazebo	137 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1140229
Street Address	605 ANDERSON RD
City	DULUTH
State	MN
Zip	55811-5405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0040 SERIAL #
Legal Subdivision	CENTRAL ENTRANCE ADDITION FIRST DIVISION
Legal Lot Number	40
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1022
Census Tract	301

Owner

605 Anderson Rd is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	605 ANDERSON RD, DULUTH, MN 55811-5405
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
Nov 15, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jul 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2022 · Amount on File
Deed Sale	Nov 15, 2022 · Amount on File
Prior Sale	Dec 3, 2014 · Amount on File
Deed Document Number	20221063495
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 15, 2022
Property Address	605 ANDERSON RD, DULUTH, MN 55811-5405
Document Number	0001063495
Instrument Date	Oct 31, 2022
Instrument	1063495
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 ANDERSON RD, DULUTH, MN 55811-5405

Mortgage

Document Number	0001063496
Date	Nov 15, 2022
Instrument	1063496

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year T-Bill
Max Rate	10.5%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	605 ANDERSON RD, DULUTH, MN 55811-5405
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001059336
Date	Jul 27, 2022
Instrument	1059336

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

The 2026 property tax bill for 605 Anderson Rd was $5,104, up 6.2% 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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,104.00 (+6.2%)
2025	$4,806.00 (+1.69%)	$432,300 (+23.48%) Land $42,700 Building $389,600	$432,300 (+23.48%) Land $42,700 Building $389,600
2024	$4,726.00	$350,100 Land $57,500 Building $292,600	$350,100 Land $57,500 Building $292,600
2022		$315,400 Land $57,900 Building $257,500	$315,400 Land $57,900 Building $257,500

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

Flood

FEMA maps place 605 Anderson Rd 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
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 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 605 Anderson Rd 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	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 137 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

May also be available: CenturyLink, T-Mobile, Verizon.

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