727 1st St, Duluth, MN 55810 Property Records

St. Louis County property record for 727 1st St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Lot Size	0.081 acres (3,550 sqft)
Owner	Individual Name on Record
Last Sale	$270,500 (Oct 2022)
Tax Bill	$52 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0010-01460`

Property Details

APN / Parcel Number

Primary APN	`185-0010-01460`
Alternative APNs	`1057095` `1138354`

Exterior

Lot Area	3,550 sqft (0.081 acres)

Location & Zoning

Account Number	1138354
Street Address	727 1ST ST
City	DULUTH
State	MN
Zip	55810-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0027 BLOCK:010 SERIAL #
Legal Subdivision	TOWNSITE OF PROCTORKNOTT
Legal Block	10
Legal Lot Number	27
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	3
Census Block	3008
Census Tract	10100

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	727 1ST ST, DULUTH, MN 55810-2704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 27, 2020	Quit Claim Deed, Transfer NORTH SHORE BK/COMMERCE
Aug 29, 2018	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2022 · Amount on Record
Deed Sale	Oct 10, 2022 · Amount on Record
Prior Sale	Aug 29, 2018 · Amount on Record
Deed Document Number	20221062274
Prior Transfer Date	Jan 22, 2020
Prior Transfer Doc	00T1019966
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 10, 2022
Property Address	727 1ST ST, DULUTH, MN 55810-2704
Document Number	0001062274
Instrument Date	Oct 5, 2022
Instrument	1062274
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.65
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	727 1ST ST, PROCTOR, MN 55810-2704

Mortgage

Document Number	0001062275
Date	Oct 10, 2022
Instrument	1062275

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 27, 2020
Property Address	727 1ST ST, DULUTH, MN 55810-2704
Document Number	00T1019966
Instrument Date	Jan 22, 2020
Instrument	T1019966
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	727 1ST ST PROCTOR MN 558102704, PROCTOR, MN 55810-2704

Mortgage

Document Number	T1019967
Date	Jan 27, 2020
Instrument	T1019967

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 29, 2018
Property Address	727 1ST ST, DULUTH, MN 55810-2704
Document Number	00T1002081
Instrument Date	Aug 28, 2018
Instrument	T1002081
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$636.90
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	727 1ST ST PROCTOR MN 558102704, PROCTOR, MN 55810-2704

Mortgage

Document Number	1002082
Date	Aug 29, 2018
Instrument	1002082

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$52.00 (+18.18%) Homeowner's exemption
2025	$44.00 (+22.22%) Homeowner's exemption	$3,700 (+19.35%) Land $3,700	$3,700 (+19.35%) Land $3,700
2024		$3,100 (+34.78%) Land $3,100	$3,100 (+34.78%) Land $3,100
2022	$36.00	$2,300 Land $2,300	$2,300 Land $2,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Not rated no burnable land within 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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Spectrum, T-Mobile.

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