St. Louis County property record for 84 Howard Gnesen Rd, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,341 sqft · built 2002 |
| Lot Size | 3.88 acres (169,403 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $13,198 (2026) |
| Deeds & Mortgages | May 2020 Line of Credit May 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3500-00260 |
| Primary APN | 010-3500-00260 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 4,341 sqft Gross Area |
| 1st Floor Area | 2,976 sqft |
| Basement Area | 1,893 sqft |
| Finished Basement | 1,893 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 169,403 sqft (3.88 acres) |
| Garage Area | 840 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 78 sqft |
| Deck Area | 20 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1032019 |
|---|---|
| Street Address | 84 HOWARD GNESEN RD |
| City | DULUTH |
| State | MN |
| Zip | 55811-1612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PORTION OF LOT 20 INCLUDING THAT PARTOF VACATED ADJACENT ROAD DESC AS FOLLOWS:COMMENCING AT W1/4 CORNER OF SEC 10 TWP |
| Legal Subdivision | NORTONS DULUTH OUTLOTS |
| Legal Lot Number | 20 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 400 |
84 Howard Gnesen Rd is owned and occupied by an individual who acquired it in March 2014.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 84 HOWARD GNESEN RD, DULUTH, MN 55811-1612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 11, 2020 | Deed of Trust, Mortgage · Line of Credit SUPERIOR CHOICE CU |
| May 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CHOICE CU |
| Mar 12, 2018 | Loan Modification, Mortgage · Conventional Mortgage FRANDSEN BK&TR |
| Jun 13, 2017 | Deed of Trust, Mortgage · Line of Credit FRANDSEN BK&TR |
| Jun 12, 2017 | Grant Deed, Transfer CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE AND ABSTRACT |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 19, 2014 |
| Transfer Doc | 00A1234883 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 84 HOWARD GNESEN RD, DULUTH, MN 55811-1612 |
| Document Number | 00A1380511 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 84 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612 |
| Document Number | 00A1380511 |
|---|---|
| Date | May 21, 2020 |
| Instrument | A1380511 |
| Name | SUPERIOR CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 20, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 84 HOWARD GNESEN RD, DULUTH, MN 55811-1612 |
| Document Number | 00A1380510 |
| Instrument Date | May 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 84 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612 |
| Document Number | 00A1380510 |
|---|---|
| Date | May 21, 2020 |
| Instrument | A1380510 |
| Name | SUPERIOR CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 84 HOWARD GNESEN RD, DULUTH, MN 55811-1612 |
| Document Number | 00A1330468 |
| Instrument Date | Mar 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 84 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612 |
| Document Number | 00A1330468 |
|---|---|
| Date | Apr 4, 2018 |
| Instrument | A1330468 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 84 HOWARD GNESEN RD, DULUTH, MN 55811-1612 |
| Document Number | 00A1312619 |
| Instrument Date | Jun 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2822 E SUPERIOR ST DULUTH MN 558122345, DULUTH, MN 55812-2345 |
| Document Number | 00A1312619 |
|---|---|
| Date | Jul 6, 2017 |
| Instrument | A1312619 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jul 5, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 12, 2017 |
| Property Address | 84 HOWARD GNESEN RD, DULUTH, MN 55811-1612 |
| Document Number | 00A1310887 |
| Instrument Date | Jun 9, 2017 |
| Instrument | A1310887 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE AND ABSTRACT |
| Amount | Amount on Record |
|---|---|
| Tax | $2,263.47 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 84 HOWARD GNESEN RD DULUTH MN 558111612, DULUTH, MN 55811-1612 |
The 2026 property tax bill for 84 Howard Gnesen Rd was $13,198 with a homeowner's exemption, up 0.8% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,198.00 (+0.76%) Homeowner's exemption | ||
| 2025 | $13,098.00 (-9.16%) Homeowner's exemption | $897,100 (+2.64%) Land $66,700 Building $830,400 | $897,100 (+2.64%) Land $66,700 Building $830,400 |
| 2024 | $14,418.00 | $874,000 Land $113,500 Building $760,500 | $874,000 Land $113,500 Building $760,500 |
| 2022 | $859,200 Land $105,000 Building $754,200 | $859,200 Land $105,000 Building $754,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 84 Howard Gnesen Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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 |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2014 · other causes |
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 risk around 84 Howard Gnesen Rd is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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