607 S Ugstad Rd, Duluth, MN 55810 Property Records

St. Louis County property record for 607 S Ugstad Rd, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,344 sqft · built 1992
Lot Size	13 acres (566,280 sqft)
Owner	Individual Name on Record
Tax Bill	$3,920 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`450-0010-02096`

Property Details

APN / Parcel Number

Primary APN	`450-0010-02096`
Alternative APN	`123546`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Gross Area
1st Floor Area	1,344 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	566,280 sqft (13 acres)
Garage Area	720 sqft
Deck Area	100 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	123546
Street Address	607 S UGSTAD RD
City	DULUTH
State	MN
Zip	55810-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	S1/2 OF S1/2 OF SE1/4 OF NE1/4 & ELY 660 FTOF NLY 200 FT OF NE1/4 OF SE1/4 SERIAL #
Legal Range	15W
Legal Township	49N
Legal Section	16
Legal Subdivision	MIDWAY TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1033
Census Tract	10200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	607 S UGSTAD RD, DULUTH, MN 55810-2405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED SECURITY FINANCIAL CORP UNITED SECURITY FINANCIAL CORP
Aug 13, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	607 S UGSTAD RD, DULUTH, MN 55810-2405
Document Number	00A1390680
Instrument Date	Aug 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	TRUE CONCEPT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	607 S UGSTAD RD DULUTH MN 558102405, DULUTH, MN 55810-2405

Mortgage

Document Number	00A1390680
Date	Sep 16, 2020
Instrument	A1390680

Lender

Name	UNITED SECURITY FINANCIAL CORP UNITED SECURITY FINANCIAL CORP
Type	Bank
Address	MURRAY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	607 S UGSTAD RD, DULUTH, MN 55810-2405
Document Number	00A1338895
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	607 S UGSTAD RD PROCTOR MN 558102405, PROCTOR, MN 55810-2405

Mortgage

Document Number	00A1338895
Date	Aug 20, 2018
Instrument	A1338895

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2048

Tax Assessment & Valuation

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	$3,920.00 (+14.82%) Homeowner's exemption
2025	$3,414.00 (+1.01%) Homeowner's exemption	$399,900 (+18.28%) Land $98,300 Building $301,600	$399,900 (+18.28%) Land $98,300 Building $301,600
2024	$3,380.00	$338,100 (+16.79%) Land $73,700 Building $264,400	$338,100 (+16.79%) Land $73,700 Building $264,400
2022		$289,500 Land $66,700 Building $222,800	$289,500 Land $66,700 Building $222,800

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber, Verizon.

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