St. Louis County property record for 640 Valley Dr, Duluth, MN 55804 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,539 sqft · built 1969 |
| Lot Size | 0.36 acres (15,687 sqft) |
| Owner | Individual Name on File |
| Last Sale | $282,500 (Jun 2016) |
| Tax Bill | $6,144 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2223-00110 |
| Primary APN | 010-2223-00110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,539 sqft Gross Area |
| 1st Floor Area | 1,539 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 15,687 sqft (0.36 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 384 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1010523 |
|---|---|
| Street Address | 640 VALLEY DR |
| City | DULUTH |
| State | MN |
| Zip | 55804-1741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0011 BLOCK:000 SERIAL # |
| Legal Subdivision | HILDINGS FIRST DIV DULUTH |
| Legal Lot Number | 11 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 700 |
Source: St. Louis County records · APN 010-2223-00110
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 | Individual Name on File |
|---|---|
| Mailing Address | 640 VALLEY DR, DULUTH, MN 55804-1741 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2022 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 10, 2016 · Amount on Record |
| Deed Sale | Jun 10, 2016 · Amount on Record |
| Prior Sale | Aug 04, 2009 · Amount on Record |
| Deed Document Number | 2016971815 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 640 VALLEY DR, DULUTH, MN 55804-1741 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2022 |
| Title Company | ARROWHEAD ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 640 VALLEY DR, DULUTH, MN 55804-1741 |
| Document Number | 0001060560 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 1060560 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 17, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 640 VALLEY DR, DULUTH, MN 55804-1741 |
| Document Number | 00T1034558 |
| Instrument Date | Dec 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 640 VALLEY DR DULUTH MN 558041741, DULUTH, MN 55804-1741 |
| Document Number | 00T1034558 |
|---|---|
| Date | Jan 04, 2021 |
| Instrument | T1034558 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 03, 2041 |
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 | $6,144.00 (+4.77%) Homeowner's exemption | ||
| 2025 | $5,864.00 (+10.56%) Homeowner's exemption | $462,200 (+6.4%) Land $74,100 Building $388,100 | $462,200 (+6.4%) Land $74,100 Building $388,100 |
| 2024 | $5,304.00 | $434,400 (+23.48%) Land $69,100 Building $365,300 | $434,400 (+23.48%) Land $69,100 Building $365,300 |
| 2022 | $351,800 Land $48,200 Building $303,600 | $351,800 Land $48,200 Building $303,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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