747 Ridgewood Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 747 Ridgewood Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,049 sqft · built 1995
Lot Size	0.418 acres (18,249 sqft)
Owner	Individual Name on Record
Tax Bill	$10,628 (2026)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-4450-01370`

Property Details

APN / Parcel Number

Primary APN	`010-4450-01370`
Alternative APN	`1016125`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,049 sqft Gross Area
1st Floor Area	1,676 sqft
Basement Area	722 sqft
Finished Basement	722 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	18,249 sqft (0.418 acres)
Garage Area	875 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	78 sqft
Deck Area	492 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1016125
Street Address	747 RIDGEWOOD RD
City	DULUTH
State	MN
Zip	55804-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 OF LOT 13 EX SLY 10 FT AND LOTS 14& 15 EX SLY 10 FT SERIAL #
Legal Subdivision	WAVERLY PARK DULUTH
Legal Block	6
Legal Lot Number	13-15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2002
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	Individual Name on Record
Mailing Address	747 RIDGEWOOD RD, DULUTH, MN 55804-1732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	747 RIDGEWOOD RD, DULUTH, MN 55804-1732
Document Number	00T1028105
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	747 RIDGEWOOD RD DULUTH MN 558041732, DULUTH, MN 55804-1732

Mortgage

Document Number	00T1028105
Date	Aug 28, 2020
Instrument	T1028105

Lender

Name	US BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

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
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	$10,628.00 (+4.9%) Homeowner's exemption
2025	$10,132.00 (+9.75%) Homeowner's exemption	$740,200 (+6.29%) Land $81,400 Building $658,800	$740,200 (+6.29%) Land $81,400 Building $658,800
2024	$9,232.00	$696,400 (+19.53%) Land $75,900 Building $620,500	$696,400 (+19.53%) Land $75,900 Building $620,500
2022		$582,600 Land $63,500 Building $519,100	$582,600 Land $63,500 Building $519,100

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	Direct burnable vegetation

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 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20