903 Martha St, Duluth, MN 55805 Property Records

St. Louis County property record for 903 Martha St, Duluth, MN 55805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,420 sqft · built 1926
Lot Size	0.164 acres (7,175 sqft)
Owner	Individual Name on File
Last Sale	$136,851 (Oct 2014)
Tax Bill	$7,230 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2270-01560`

Property Details

APN / Parcel Number

Primary APN	`010-2270-01560`
Alternative APN	`977904`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,420 sqft Gross Area
1st Floor Area	1,868 sqft
Basement Area	881 sqft
Finished Basement	881 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1954
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,175 sqft (0.164 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	133 sqft
Deck Area	130 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	977904
Street Address	903 MARTHA ST
City	DULUTH
State	MN
Zip	55805-1143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2 SERIAL #
Legal Subdivision	HOMEWOOD ADD TO DULUTH
Legal Block	4
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2003
Census Tract	900

Owner

903 Martha St is owned and occupied by an individual who bought it in October 2014.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	903 MARTHA ST, DULUTH, MN 55805-1143
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Oct 2, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2014 · Amount on File
Deed Sale	Oct 22, 2014 · Amount on File
Prior Sale	Sep 16, 2014 · Amount on File
Deed Document Number	2014950279
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	903 MARTHA ST, DULUTH, MN 55805-1143
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001053746
Date	Feb 25, 2022
Instrument	1053746

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	903 MARTHA ST, DULUTH, MN 55805-1143
Document Number	00T1030855
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 MARTHA ST DULUTH MN 558051143, DULUTH, MN 55805-1143

Mortgage

Document Number	00T1030855
Date	Oct 22, 2020
Instrument	T1030855

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 21, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 903 Martha St was $7,230 with a homeowner's exemption, up 11.3% from the year before.

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	$7,230.00 (+11.33%) Homeowner's exemption
2025	$6,494.00 (+0.03%) Homeowner's exemption	$518,500 (+8.68%) Land $51,700 Building $466,800	$518,500 (+8.68%) Land $51,700 Building $466,800
2024	$6,492.00	$477,100 Land $54,700 Building $422,400	$477,100 Land $54,700 Building $422,400
2022		$425,300 Land $51,000 Building $374,300	$425,300 Land $51,000 Building $374,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 903 Martha St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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 Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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

The area around 903 Martha St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 341 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

May also be available: AT&T, T-Mobile.

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