815 Almac Dr, Duluth, MN 55810 Property Records

St. Louis County property record for 815 Almac Dr, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,008 sqft · built 1962
Lot Size	0.174 acres (7,583 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jan 2023)
Tax Bill	$3,734 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`185-0165-00210`

Property Details

APN / Parcel Number

Primary APN	`185-0165-00210`
Alternative APNs	`1101044` `1143835`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	1,008 sqft
Basement Area	756 sqft
Finished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,583 sqft (0.174 acres)
Garage Area	624 sqft
Deck Area	45 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1143835
Street Address	815 ALMAC DR
City	DULUTH
State	MN
Zip	55810-2744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21, BLOCK 1 AND WESTERLY 10 FEET OF LOT22, BLOCK 1 SERIAL #
Legal Subdivision	MCGOVERN DIV C OF PROCTOR
Legal Block	1
Legal Lot Number	21
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	3
Census Block	3016
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	815 ALMAC DR, DULUTH, MN 55810-2744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CREDIT UNION
Jan 23, 2023	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Jan 23, 2023	Quit Claim Deed, Transfer RESULTS TITLE
Dec 3, 2020	Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Sep 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Jan 11, 2023 · Amount on Record
Deed Document Number	20231065474
Prior Transfer Date	Dec 31, 2022
Prior Transfer Doc	0001065473
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jul 29, 2026
Property Address	815 ALMAC DR, DULUTH, MN 55810-2744
Document Number	0001104117
Instrument Date	Jul 16, 2026
Instrument	20261104117
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001104117,
Date	Jul 29, 2026
Instrument	20261104117

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 15, 2046

Interest

Rate	6.47%
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 23, 2023
Property Address	815 ALMAC DR, DULUTH, MN 55810-2744
Document Number	0001065474
Instrument Date	Jan 11, 2023
Instrument	1065474
Transaction Type	Transfer
Record Updated	Feb 24, 2023
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
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	815 ALMAC DR, PROCTOR, MN 55810-2744

Mortgage

Document Number	0001065475
Date	Jan 23, 2023
Instrument	1065475

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jan 11, 2033
Change Frequency	Annually
Min Rate At Change	8.62%
Index	Prime Rate
Max Rate	12.6%

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 23, 2023
Property Address	815 ALMAC DR, DULUTH, MN 55810-2744
Document Number	0001065473
Instrument Date	Dec 31, 2022
Instrument	1065473
Transaction Type	Transfer
Record Updated	Feb 24, 2023
Title Company	RESULTS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	815 ALMAC DR, PROCTOR, MN 55810-2744

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 3, 2020
Property Address	815 ALMAC DR, DULUTH, MN 55810-2744
Document Number	00T1033017
Instrument Date	Oct 29, 2020
Instrument	T1033017
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	815 ALMAC DR PROCTOR MN 558102744, PROCTOR, MN 55810-2744

Mortgage

Document Number	1033018
Date	Dec 3, 2020
Instrument	1033018

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28278

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	815 ALMAC DR, DULUTH, MN 55810-2744
Document Number	00T1017565
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	815 ALMAC DR PROCTOR MN 558102744, PROCTOR, MN 55810-2744

Mortgage

Document Number	00T1017565
Date	Nov 15, 2019
Instrument	T1017565

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	815 ALMAC DR, DULUTH, MN 55810-2744
Document Number	000T990664
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	815 ALMAC DR PROCTOR MN 558102744, PROCTOR, MN 55810-2744

Mortgage

Document Number	000T990664
Date	Oct 6, 2017
Instrument	T990664

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 5, 2022

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	$3,734.00 (-1.74%) Homeowner's exemption
2025	$3,800.00 (+6.09%) Homeowner's exemption	$234,600 (-2.86%) Land $18,900 Building $215,700	$234,600 (-2.86%) Land $18,900 Building $215,700
2024	$3,582.00	$241,500 (+22.96%) Land $17,000 Building $224,500	$241,500 (+22.96%) Land $17,000 Building $224,500
2022		$196,400 Land $23,600 Building $172,800	$196,400 Land $23,600 Building $172,800

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
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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