707 Old Howard Mill Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 707 Old Howard Mill Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,336 sqft · built 1968
Lot Size	0.377 acres (16,437 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Sep 2020)
Tax Bill	$5,308 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2223-00200`

Property Details

APN / Parcel Number

Primary APN	`010-2223-00200`
Alternative APNs	`1096224` `1185002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,336 sqft Gross Area
1st Floor Area	1,336 sqft
Basement Area	686 sqft
Finished Basement	686 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	16,437 sqft (0.377 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	252 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1185002
Street Address	707 OLD HOWARD MILL RD
City	DULUTH
State	MN
Zip	55804-1752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0020 BLOCK:000 SERIAL #
Legal Subdivision	HILDINGS FIRST DIV DULUTH
Legal Lot Number	20
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2000
Census Tract	700

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	2 Individual Names on Record
Mailing Address	707 OLD HOWARD MILL RD, DULUTH, MN 55804-1752
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Warranty Deed, Transfer · VA Mortgage REGENT FIN'L
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2020 · Amount on Record
Deed Sale	Sep 15, 2020 · Amount on Record
Prior Sale	Jul 16, 2013 · Amount on Record
Deed Document Number	20201028967
Last Transfer Date	Jul 16, 2025
Transfer Doc	0001092003
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 15, 2020
Property Address	707 OLD HOWARD MILL RD, DULUTH, MN 55804-1752
Document Number	00T1028967
Instrument Date	Aug 28, 2020
Instrument	T1028967
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,139.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 OLD HOWARD MILL RD DULUTH MN 558041752, DULUTH, MN 55804-1752

Mortgage

Document Number	T1028968
Date	Sep 15, 2020
Instrument	T1028968

Lender

Name	REGENT FIN'L
Type	Funding / Finance Company
Address	OMAHA, NE 68124

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	707 OLD HOWARD MILL RD, DULUTH, MN 55804-1752
Document Number	000T999865
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	707 OLD HOWARD MILL RD DULUTH MN 558041752, DULUTH, MN 55804-1752

Mortgage

Document Number	000T999865
Date	Jul 5, 2018
Instrument	T999865

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 4, 2023

Interest

Rate	5.5%

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,308.00 (+4.69%) Homeowner's exemption
2025	$5,070.00 (-11.49%) Homeowner's exemption	$405,000 (+6.44%) Land $76,200 Building $328,800	$405,000 (+6.44%) Land $76,200 Building $328,800
2024	$5,728.00	$380,500 (+0.77%) Land $71,000 Building $309,500	$380,500 (+0.77%) Land $71,000 Building $309,500
2022		$377,600 Land $49,500 Building $328,100	$377,600 Land $49,500 Building $328,100

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

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 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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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