St. Louis County property record for 6420 Polk St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,016 sqft · built 1915 |
| Lot Size | 0.144 acres (6,298 sqft) |
| Owner | Individual Name on File |
| Last Sale | $159,900 (Oct 2021) |
| Tax Bill | $2,032 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Mar 2023 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4540-02690 |
| Primary APN | 010-4540-02690 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,016 sqft Gross Area |
| 1st Floor Area | 1,016 sqft |
| Basement Area | 140 sqft |
| Finished Basement | 140 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,298 sqft (0.144 acres) |
| Garage Area | 240 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 140 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1118540 |
|---|---|
| Street Address | 6420 POLK ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-2250 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WEST 84 FT OF LOTS 1 THRU 3 SERIAL # |
| Legal Subdivision | WEST END ADDITION TO DULUTH |
| Legal Block | 17 |
| Legal Lot Number | 1-3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 3300 |
6420 Polk St is owned and occupied by an individual who bought it in October 2021.
Source: St. Louis County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| 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.
| Date | Document |
|---|---|
| Jul 21, 2023 | Deed of Trust, Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D |
| Mar 22, 2023 | Deed of Trust, Mortgage FLAGSTART BANK |
| Mar 22, 2023 | Deed of Trust, Mortgage FLAGSTART BANK |
| Nov 30, 2022 | Deed of Trust, Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D |
| Oct 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HOUSING SVCS OF DULUTH INC |
| Apr 29, 2021 | Deed of Trust, Mortgage · Line of Credit NEIGHBORHOOD HOUSING SVCS OF DULUTH INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2021 · Amount on File |
| Deed Sale | Oct 7, 2021 · Amount on File |
| Prior Sale | Oct 15, 2002 · Amount on File |
| Deed Document Number | 20211047885 |
| Prior Transfer Date | Jun 17, 2002 |
| Prior Transfer Doc | 0000726828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001070353 |
|---|---|
| Date | Jul 21, 2023 |
| Instrument | 1070353 |
| Name | HOUSING AND REDEVELOPMENT AUTHORITY OF D |
|---|---|
| Type | Government Agency |
| Address | DULUTH, MN 55816 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 10, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001066892 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 1066892 |
| Name | FLAGSTART BANK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Mar 15, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001066893 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 1066893 |
| Name | FLAGSTART BANK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 15, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001064010 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 1064010 |
| Name | HOUSING AND REDEVELOPMENT AUTHORITY OF D |
|---|---|
| Type | Government Agency |
| Address | DULUTH, MN 55816 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 23, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 7, 2021 |
| Property Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| Document Number | 0001047885 |
| Instrument Date | Sep 29, 2021 |
| Instrument | 1047885 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2021 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $527.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| Document Number | 0001047886 |
|---|---|
| Date | Oct 7, 2021 |
| Instrument | 1047886 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001040281 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 1040281 |
| Name | NEIGHBORHOOD HOUSING SVCS OF DULUTH INC |
|---|---|
| Type | Government Agency |
| Address | DULUTH, MN 55805 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6420 POLK ST, DULUTH, MN 55807-2250 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001039950 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 1039950 |
| Name | NEIGHBORHOOD HOUSING SVCS OF DULUTH INC |
|---|---|
| Type | Government Agency |
| Address | DULUTH, MN 55805 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 6420 Polk St was $2,032 with a homeowner's exemption, up 8.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,032.00 (+8.2%) Homeowner's exemption | ||
| 2025 | $1,878.00 (+2.07%) Homeowner's exemption | $194,200 (+18.34%) Land $15,500 Building $178,700 | $194,200 (+18.34%) Land $15,500 Building $178,700 |
| 2024 | $1,840.00 | $164,100 Land $14,300 Building $149,800 | $164,100 Land $14,300 Building $149,800 |
| 2022 | $121,900 Land $13,800 Building $108,100 | $121,900 Land $13,800 Building $108,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6420 Polk St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 6420 Polk St 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 365 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Airfiber Fixed Wireless | 100 / 20 |
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