St. Louis County property record for 909 Valley Dr, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.25 ba · 2,789 sqft · built 1990 |
| Lot Size | 0.473 acres (20,630 sqft) |
| Owner | Company Name on File |
| Tax Bill | $12,164 (2026) |
| Deeds & Mortgages | Dec 2019 Line of Credit Feb 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2167-00290 |
| Primary APN | 010-2167-00290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,789 sqft Gross Area |
| 1st Floor Area | 2,059 sqft |
| Basement Area | 1,490 sqft |
| Finished Basement | 1,490 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 20,630 sqft (0.473 acres) |
| Garage Area | 928 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 72 sqft |
| Deck Area | 503 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1023184 |
|---|---|
| Street Address | 909 VALLEY DR |
| City | DULUTH |
| State | MN |
| Zip | 55804-1748 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0029 BLOCK:000 SERIAL # |
| Legal Subdivision | HIDDEN VALLEY DIV DULUTH |
| Legal Lot Number | 29 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 700 |
Source: St. Louis County assessment roll, 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 | Company Name on File |
|---|---|
| Mailing Address | 909 VALLEY DR, DULUTH, MN 55804-1748 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Dec 27, 2019 | Deed of Trust, Mortgage · Line of Credit BELL BK |
| Feb 11, 2019 | Loan Modification, Mortgage · Line of Credit REPUBLIC BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 909 VALLEY DR, DULUTH, MN 55804-1748 |
| Document Number | 00T1019818 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 909 VALLEY DR DULUTH MN 558041748, DULUTH, MN 55804-1748 |
| Document Number | 00T1019818 |
|---|---|
| Date | Jan 23, 2020 |
| Instrument | T1019818 |
| Name | BELL BK |
|---|---|
| Address | MINNEAPOLIS, MN 55416 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 22, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 909 VALLEY DR, DULUTH, MN 55804-1748 |
| Document Number | 0001007948 |
| Instrument Date | Feb 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2019 |
| Name | Verified Name |
|---|---|
| Address | 909 VALLEY DR DULUTH MN 558041748, DULUTH, MN 55804-1748 |
| Document Number | 0001007948 |
|---|---|
| Date | Feb 19, 2019 |
| Instrument | 1007948 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 18, 2020 |
| Rate Type | Adjustable Rate |
|---|
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 | $12,164.00 (+4.93%) Homeowner's exemption | ||
| 2025 | $11,592.00 (-2.62%) Homeowner's exemption | $833,400 (+6.33%) Land $88,000 Building $745,400 | $833,400 (+6.33%) Land $88,000 Building $745,400 |
| 2024 | $11,904.00 | $783,800 (+7.84%) Land $82,100 Building $701,700 | $783,800 (+7.84%) Land $82,100 Building $701,700 |
| 2022 | $726,800 Land $57,200 Building $669,600 | $726,800 Land $57,200 Building $669,600 |
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 | 3 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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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 | 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 420 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 |
| AT&T Fixed Wireless | 100 / 20 |
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