823 Lupine Dr, Duluth, MN 55810 Property Records

St. Louis County property record for 823 Lupine Dr, Duluth, MN 55810

Property Summary

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`

Property Details

APN / Parcel Number

Primary APN	`185-0101-00070`
Alternative APNs	`1120494` `1151852`

Interior

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

Exterior

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

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

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

Owner

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

Deeds, Mortgages & Sale History

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

Assessor's Deed Record

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

September 2023: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 LUPINE DR, PROCTOR, MN 55810-1716

Mortgage

Document Number	0001071946
Date	Sep 5, 2023
Instrument	1071946

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	SILVER BAY, MN 55614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Aug 23, 2038

July 2023: Warranty Deed, Transfer

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

Transaction

Amount	Amount Recorded
Tax	$1,798.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	823 LUPINE DR, PROCTOR, MN 55810-1716

November 2021: Warranty Deed, Transfer

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

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,415.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	823 LUPINE DR, PROCTOR, MN 55810-1716

Mortgage

Document Number	0001049185
Date	Nov 8, 2021
Instrument	1049185

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2021: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001044342
Date	Jul 27, 2021
Instrument	1044342

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company
Address	HUNTSVILLE, AL 35806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2017: Quit Claim Deed, Transfer

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

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4257 HAINES RD #A HERMANTOWN MN 558114136, A, HERMANTOWN, MN 55811-4136

May 2017: Warranty Deed, Subdivision Related Transfer

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

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 LUPINE DR PROCTOR MN 558101716, PROCTOR, MN 55810-1716

Mortgage

Document Number	T984609
Date	May 8, 2017
Instrument	T984609

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2047

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	$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.

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	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.

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 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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