St. Louis County property record for 823 Lupine Dr, Duluth, MN 55810
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 1,542 sqft · built 2015 |
| Lot Size | 0.317 acres (13,837 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $545,000 (Jul 2023) |
| Tax Bill | $6,826 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage Jul 2023 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 185-0101-00070 |
| Primary APN | 185-0101-00070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,542 sqft Gross Area |
| 1st Floor Area | 1,542 sqft |
| Basement Area | 1,269 sqft |
| Finished Basement | 1,269 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 13,837 sqft (0.317 acres) |
| Garage Area | 1,745 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 192 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1151852 |
|---|---|
| Street Address | 823 LUPINE DR |
| City | DULUTH |
| State | MN |
| Zip | 55810-1716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLOCK 1 SERIAL # |
| Legal Subdivision | KINGSBURY RIDGE |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | PROCTOR |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 10100 |
Source: St. Louis County records, as of October 20, 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 | 823 LUPINE DR, DULUTH, MN 55810-1716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 5, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Jul 25, 2023 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Nov 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS INC |
| May 8, 2017 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| May 8, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI FINANCE OF AMERICA MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2023 · Amount on Record |
| Deed Sale | Jul 25, 2023 · Amount on Record |
| Prior Sale | Nov 8, 2021 · Amount on Record |
| Deed Document Number | 20231070501 |
| Prior Transfer Date | Apr 13, 2017 |
| Prior Transfer Doc | 0000984607 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 823 LUPINE DR, DULUTH, MN 55810-1716 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 823 LUPINE DR, PROCTOR, MN 55810-1716 |
| Document Number | 0001071946 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 1071946 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SILVER BAY, MN 55614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Aug 23, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 25, 2023 |
| Property Address | 823 LUPINE DR, DULUTH, MN 55810-1716 |
| Document Number | 0001070501 |
| Instrument Date | Jul 19, 2023 |
| Instrument | 1070501 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,798.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 823 LUPINE DR, PROCTOR, MN 55810-1716 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 8, 2021 |
| Property Address | 823 LUPINE DR, DULUTH, MN 55810-1716 |
| Document Number | 0001049184 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 1049184 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,415.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 823 LUPINE DR, PROCTOR, MN 55810-1716 |
| Document Number | 0001049185 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 1049185 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 823 LUPINE DR, DULUTH, MN 55810-1716 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | MINNESOTA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001044342 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 1044342 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTSVILLE, AL 35806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 8, 2017 |
| Property Address | 823 LUPINE DR, DULUTH, MN 55810-1716 |
| Document Number | 000T984607 |
| Instrument Date | Apr 13, 2017 |
| Instrument | T984607 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4257 HAINES RD #A HERMANTOWN MN 558114136, A, HERMANTOWN, MN 55811-4136 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 8, 2017 |
| Property Address | 823 LUPINE DR, DULUTH, MN 55810-1716 |
| Document Number | 000T984608 |
| Instrument Date | Apr 13, 2017 |
| Instrument | T984608 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 21, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 823 LUPINE DR PROCTOR MN 558101716, PROCTOR, MN 55810-1716 |
| Document Number | T984609 |
|---|---|
| Date | May 8, 2017 |
| Instrument | T984609 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 7, 2047 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Proctor City |
| Unified School District | Proctor Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,826.00 (+0.74%) Homeowner's exemption | ||
| 2025 | $6,776.00 (+4.05%) Homeowner's exemption | $480,000 (-1.07%) Land $28,000 Building $452,000 | $480,000 (-1.07%) Land $28,000 Building $452,000 |
| 2024 | $6,512.00 (+2.33%) | $485,200 (+18.46%) Land $29,900 Building $455,300 | $485,200 (+18.46%) Land $29,900 Building $455,300 |
| 2023 | $6,364.00 Homeowner's exemption | ||
| 2022 | $409,600 (+6.42%) Land $24,700 Building $384,900 | $409,600 (+6.42%) Land $24,700 Building $384,900 | |
| 2021 | $384,900 Land $22,800 Building $362,100 | $384,900 Land $22,800 Building $362,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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