6610 Locust Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6610 Locust Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Lot Size	0.604 acres (26,350 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Jun 2016)
Tax Bill	$78 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`375-0140-05380`

Property Details

APN / Parcel Number

Primary APN	`375-0140-05380`
Alternative APN	`1131764`

Exterior

Lot Area	26,350 sqft (0.604 acres)

Location & Zoning

Account Number	1131764
Street Address	6610 LOCUST RD
City	DULUTH
State	MN
Zip	55803-9252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOTS 1450 THRU 1458 SERIAL #
Legal Subdivision	FIRST ADDITION TO WOODLAND BEACH
Legal Lot Number	1450
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2002
Census Tract	10601

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	6610 LOCUST RD, DULUTH, MN 55803-9252
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Warranty Deed, Transfer · FHA Mortgage REGENT FINANCIAL GROUP INC
Jun 17, 2022	Warranty Deed, Transfer · FHA Mortgage REGENT FINANCIAL GROUP INC
Jun 17, 2020	Deed of Trust, Mortgage · Line of Credit NATIONAL BK/CMRC
Jun 17, 2020	Deed of Trust, Mortgage · Line of Credit NATIONAL BK/CMRC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2016 · Amount on Record
Deed Sale	Jun 3, 2016 · Amount on Record
Deed Document Number	20161285911
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 15, 2022
Property Address	6610 LOCUST RD, DULUTH, MN 55803-9252
Document Number	0001057720
Instrument Date	May 27, 2022
Instrument	1057720
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.69
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6610 LOCUST RD, DULUTH, MN 55803-9252

Mortgage

Document Number	0001057721
Date	Jun 15, 2022
Instrument	1057721

Lender

Name	REGENT FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 17, 2022
Property Address	6610 LOCUST RD, DULUTH, MN 55803-9252
Document Number	0001445578
Instrument Date	May 27, 2022
Instrument	1445578
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.69
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6610 LOCUST RD, DULUTH, MN 55803-9252

Mortgage

Document Number	0001445579
Date	Jun 17, 2022
Instrument	1445579

Lender

Name	REGENT FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6610 LOCUST RD, DULUTH, MN 55803-9252
Document Number	00T1025671
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6610 LOCUST RD DULUTH MN 558039252, DULUTH, MN 55803-9252

Mortgage

Document Number	00T1025671
Date	Jul 10, 2020
Instrument	T1025671

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 9, 2045

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6610 LOCUST RD, DULUTH, MN 55803-9252
Document Number	00A1385005
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6610 LOCUST RD DULUTH MN 558039252, DULUTH, MN 55803-9252

Mortgage

Document Number	00A1385005
Date	Jul 14, 2020
Instrument	A1385005

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 13, 2045

Interest

Rate Type	Adjustable Rate

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	Gnesen Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$78.00 (+5.41%) Homeowner's exemption
2025	$74.00 (-2.63%) Homeowner's exemption	$6,900 (-2.82%) Land $6,900	$6,900 (-2.82%) Land $6,900
2024		$7,100 (+5.97%) Land $7,100	$7,100 (+5.97%) Land $7,100
2022	$76.00	$6,700 Land $6,700	$6,700 Land $6,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	4 in force

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Locust Rd

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