St. Louis County property record for 631 Ridgewood Rd, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,800 sqft · built 1965 |
| Lot Size | 0.416 acres (18,158 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $379,000 (Mar 2019) |
| Tax Bill | $2,968 (2026) |
| Deeds & Mortgages | Mar 2023 Transfer Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0770-00670 |
| Primary APN | 010-0770-00670 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,800 sqft Gross Area |
| 1st Floor Area | 1,800 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Foyer |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 18,158 sqft (0.416 acres) |
| Garage Type | Basement |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 456 sqft |
| Cabin | 216 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1145585 |
|---|---|
| Street Address | 631 RIDGEWOOD RD |
| City | DULUTH |
| State | MN |
| Zip | 55804-1856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9, EXCEPT THAT PART THAT LIES BETWEENTWO STRAIGHT LINES DRAWN THROUGH AND PARALLELTO BOUNDARY LINE BETWEEN SAID LOTS 8 & |
| Legal Subdivision | CRESTLINE DIVISION OF DULUTH |
| Legal Block | 4 |
| Legal Lot Number | 9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 700 |
Source: St. Louis County records · APN 010-0770-00670
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 631 RIDGEWOOD RD, DULUTH, MN 55804-1856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 09, 2023 | Intrafamily Transfer, Transfer |
| Sep 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HANCOCK MTG PTRS |
| Mar 27, 2019 | Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BK |
| Sep 06, 2018 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 27, 2019 · Amount on Record |
| Deed Sale | Mar 27, 2019 · Amount on Record |
| Deed Document Number | 20191008897 |
| Last Transfer Date | Nov 23, 2022 |
| Transfer Doc | 0001066617 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 09, 2023 |
| Property Address | 631 RIDGEWOOD RD, DULUTH, MN 55804-1856 |
| Document Number | 0001066617 |
| Instrument Date | Nov 23, 2022 |
| Instrument | 1066617 |
| Transaction Type | Transfer |
| Record Updated | May 05, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 631 RIDGEWOOD RD, DULUTH, MN 55804-1856 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 631 RIDGEWOOD RD, DULUTH, MN 55804-1856 |
| Document Number | 00T1029748 |
| Instrument Date | Sep 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 631 RIDGEWOOD RD DULUTH MN 558041856, DULUTH, MN 55804-1856 |
| Document Number | 00T1029748 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | T1029748 |
| Name | HANCOCK MTG PTRS |
|---|---|
| Type | Mortgage Company |
| Address | SUGAR LAND, TX 77478 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 27, 2019 |
| Property Address | 631 RIDGEWOOD RD, DULUTH, MN 55804-1856 |
| Document Number | 00T1008897 |
| Instrument Date | Mar 22, 2019 |
| Instrument | T1008897 |
| Transaction Type | Transfer |
| Record Updated | Apr 08, 2019 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,250.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 631 RIDGEWOOD RD DULUTH MN 558041856, DULUTH, MN 55804-1856 |
| Document Number | 1008898 |
|---|---|
| Date | Mar 27, 2019 |
| Instrument | 1008898 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 631 RIDGEWOOD RD, DULUTH, MN 55804-1856 |
| Document Number | 00A1002865 |
| Instrument Date | Sep 06, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 631 RIDGEWOOD RD DULUTH MN 558041856, DULUTH, MN 55804-1856 |
| Document Number | 00A1002865 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | A1002865 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 18, 2023 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,968.00 (-55.42%) Homeowner's exemption | ||
| 2025 | $6,658.00 (+0.3%) Homeowner's exemption | $533,000 (+9.18%) Land $81,100 Building $451,900 | $533,000 (+9.18%) Land $81,100 Building $451,900 |
| 2024 | $6,638.00 | $488,200 (+11.61%) Land $75,600 Building $412,600 | $488,200 (+11.61%) Land $75,600 Building $412,600 |
| 2022 | $437,400 Land $52,700 Building $384,700 | $437,400 Land $52,700 Building $384,700 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (1980) |
| Most Recent Claim | Sep 1980 · rainfall accumulation |
| Wildfire Risk | Low lower than 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 228 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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