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6540 Locust Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6540 Locust Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,390 sqft · built 1930
Lot Size15 acres (653,400 sqft)
OwnerIndividual Name on File
Last Sale$305,000 (Sep 2022)
Tax Bill$3,050 (2026)
Deeds & MortgagesNov 2022 Line of Credit
Sep 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN375-0010-02690

Property Details

APN / Parcel Number

Primary APN375-0010-02690
Alternative APNs
  • 1136207
  • 667227

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms3 Rooms
Stories2 Stories
Building Area1,390 sqft Gross Area
1st Floor Area720 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1995
Exterior MaterialWood
Construction TypeFrame
Lot Area653,400 sqft (15 acres)

Exterior Amenities

PorchSlab
Porch Area218 sqft
Deck AreaDeck Area
Storage Building432 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelOil

Location & Zoning

Account Number1136207
Street Address6540 LOCUST RD
CityDULUTH
StateMN
Zip55803-9249
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHAT PART OF SW1/4 OF SW1/4 AND THAT PART OFG.L.4 DESCRIBED AS FOLLOWS BEG AT NE COR OFSW1/4 OF SW1/4 THENCE S03DEG57'07"E
Legal Range14W
Legal Township52N
Legal Section15
Legal SubdivisionGNESEN TOWN OF
JurisdictionST LOUIS MN
Township / Civil DivisionGNESEN
Census Block Group2
Census Block2002
Census Tract10601

Owner

Source: St. Louis County records · APN 375-0010-02690

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 RecordIndividual Name on File
Mailing Address6540 LOCUST RD, DULUTH, MN 55803-9249
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 07, 2022Deed of Trust, Mortgage · Line of Credit
NORTHERN COMMUNITIES CU
Sep 01, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 01, 2022 · Amount on Record
Deed SaleSep 01, 2022 · Amount on Record
Deed Document Number20221451017
Record UpdatedSep 20, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address6540 LOCUST RD, DULUTH, MN 55803-9249
Transaction TypeMortgage
Record UpdatedDec 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001455933
DateNov 07, 2022
Instrument1455933
Lender
NameNORTHERN COMMUNITIES CU
TypeCredit Union
AddressDULUTH, MN 55811
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueNov 06, 2037
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateSep 01, 2022
Property Address6540 LOCUST RD, DULUTH, MN 55803-9249
Document Number0001451017
Instrument DateAug 26, 2022
Instrument1451017
Transaction TypeTransfer
Record UpdatedNov 01, 2022
Title CompanyNORTH SHORE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,006.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address6540 LOCUST RD, DULUTH, MN 55803-9249

Mortgage

Document Number0001451018
DateSep 01, 2022
Instrument1451018
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2052

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
County SubdivisionGnesen Township
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$3,050.00 (+0.73%) Homeowner's exemption
2025$3,028.00 (-1.88%) Homeowner's exemption$330,200 (+7.91%) Land $144,500 Building $185,700$330,200 (+7.91%) Land $144,500 Building $185,700
2024$3,086.00$306,000 (+4.12%) Land $119,300 Building $186,700$306,000 (+4.12%) Land $119,300 Building $186,700
2022$293,900 Land $114,100 Building $179,800$293,900 Land $114,100 Building $179,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370106012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Nearby Flood Policies4 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 39% of Minnesota
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Consolidated Telephone CompanyFiber1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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