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  5. Ridgewood Rd

737 Ridgewood Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 737 Ridgewood Rd, Duluth, MN 55804 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.25 ba · 2,491 sqft · built 1986
Lot Size0.64 acres (27,891 sqft)
OwnerIndividual Name on File
Last Sale$570,000 (May 2017)
Tax Bill$11,116 (2026)
Deeds & MortgagesApr 2022 Line of Credit
Aug 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN010-4450-01375

Property Details

APN / Parcel Number

Primary APN010-4450-01375
Alternative APN
  • 1029630

Interior

Bedrooms3 Beds
Full Baths3.25 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories2 Stories
Building Area2,491 sqft Gross Area
1st Floor Area1,386 sqft
Basement Area1,021 sqft
Finished Basement1,021 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1995
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable
Lot Area27,891 sqft (0.64 acres)
Garage Area720 sqft

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchSlab
Porch Area85 sqft
Deck Area321 sqft
Storage Building182 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Account Number1029630
Street Address737 RIDGEWOOD RD
CityDULUTH
StateMN
Zip55804-1732
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSLY 10 FT OF LOT 13 EX WLY 10 FT AND SLY10 FT OF LOTS 14 & 15 AND ALL OF LOTS16 & 17 AND LOT 18 EX WLY 10 FT INC PARTOF VAC
Legal SubdivisionWAVERLY PARK DULUTH
Legal Block6
Legal Lot Number13-18
JurisdictionST LOUIS MN
Township / Civil DivisionDULUTH
Census Block Group2
Census Block2002
Census Tract700

Owner

Source: St. Louis County records · APN 010-4450-01375

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 Address737 RIDGEWOOD RD, DULUTH, MN 55804-1732
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 25, 2022Deed of Trust, Mortgage · Line of Credit
NATIONAL BANK OF COMMERCE
Aug 27, 2020Deed of Trust, Mortgage
NATIONAL BK/COMMERCE
May 03, 2017Warranty Deed, Transfer
REPUBLIC BK
Feb 23, 2017Trustee's Deed, Construction Loan · Line of Credit
NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 03, 2017 · Amount on Record
Deed SaleMay 03, 2017 · Amount on Record
Prior SaleJul 07, 2010 · Amount on Record
Deed Document Number2017984522
Record UpdatedSep 20, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address737 RIDGEWOOD RD, DULUTH, MN 55804-1732
Transaction TypeMortgage
Record UpdatedMay 18, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001055881
DateApr 25, 2022
Instrument1055881
Lender
NameNATIONAL BANK OF COMMERCE
TypeBank
AddressSUPERIOR, WI 54880
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueApr 19, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address737 RIDGEWOOD RD, DULUTH, MN 55804-1732
Document Number00T1028919
Instrument DateAug 27, 2020
Transaction TypeMortgage
Record UpdatedOct 19, 2020
Title CompanyRESULTS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address737 RIDGEWOOD RD DULUTH MN 558041732, DULUTH, MN 55804-1732

Mortgage

Document Number00T1028919
DateSep 14, 2020
InstrumentT1028919
Lender
NameNATIONAL BK/COMMERCE
TypeBank
AddressSUPERIOR, WI 54880
Agreement
AmountAmount Recorded
Term180 Months
DueSep 13, 2035

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateMay 03, 2017
Property Address737 RIDGEWOOD RD, DULUTH, MN 55804-1732
Document Number000T984522
Instrument DateApr 21, 2017
InstrumentT984522
Transaction TypeTransfer
Record UpdatedAug 20, 2018
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,881.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address737 RIDGEWOOD RD DULUTH MN 558041732, DULUTH, MN 55804-1732

Mortgage

Document NumberT984523
DateMay 03, 2017
InstrumentT984523
Lender
NameREPUBLIC BK
TypeBank
AddressDULUTH, MN 55802
Agreement
AmountAmount Recorded
Term60 Months
DueMay 02, 2022

February 2017: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionST LOUIS MN
Recording DateFeb 23, 2017
Property Address737 RIDGEWOOD RD, DULUTH, MN 55804-1732
Instrument DateAug 09, 2016
InstrumentT982486
Transaction TypeConstruction Loan
Record UpdatedMar 06, 2017
Title CompanyCONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address737 RIDGEWOOD RD DULUTH MN 558041732, DULUTH, MN 55804-1732

Mortgage

Document Number000T982486
DateFeb 23, 2017
InstrumentT982486
Lender
NameNORTH SHORE BK/COMMERCE
TypeBank
AddressDULUTH, MN 55816
Agreement
TypeLine of Credit
AmountAmount Recorded
Term12 Months
DueFeb 22, 2018
Interest
Rate TypeAdjustable Rate
Rate5.4%

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
MunicipalityDuluth City
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$11,116.00 (+4.93%) Homeowner's exemption
2025$10,594.00 (-2.74%) Homeowner's exemption$769,900 (+6.33%) Land $91,000 Building $678,900$769,900 (+6.33%) Land $91,000 Building $678,900
2024$10,892.00$724,100 (+8.4%) Land $84,900 Building $639,200$724,100 (+8.4%) Land $84,900 Building $639,200
2022$668,000 Land $59,100 Building $608,900$668,000 Land $59,100 Building $608,900

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 271370007002, 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
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Nearby Flood Policies12 in force
Nearby Flood Claims2 (1980)
Most Recent ClaimSep 1980, rainfall accumulation

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 420 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

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

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