931 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 931 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,701 sqft · built 1906
Lot Size	0.161 acres (7,040 sqft)
Owner	Individual Name on Record
Tax Bill	$3,970 (2026)
Deeds & Mortgages	Jan 2023 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1270-01970`

Property Details

APN / Parcel Number

Primary APN	`010-1270-01970`
Alternative APN	`803639`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,701 sqft Gross Area
1st Floor Area	1,134 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Lot Area	7,040 sqft (0.161 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	216 sqft
Deck Area	66 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	803639
Street Address	931 W 3RD ST
City	DULUTH
State	MN
Zip	55806-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EX N 10 FT FOR ALLEY SERIAL #
Legal Subdivision	DULUTH PROPER THIRD DIV
Legal Block	37
Legal Lot Number	159
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1011
Census Tract	2000

Owner

Source: St. Louis County records, 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	Individual Name on Record
Mailing Address	931 W 3RD ST, DULUTH, MN 55806-2203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 31, 2013
Transfer Doc	0000938349
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	931 W 3RD ST, DULUTH, MN 55806-2203
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	931 W 3RD ST, DULUTH, MN 55806-2203

Mortgage

Document Number	0001460411
Date	Jan 17, 2023
Instrument	1460411

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.23%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.2%

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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,970.00 (+11.45%) Homeowner's exemption
2025	$3,562.00 (+4.34%) Homeowner's exemption	$317,800 (+14.19%) Land $55,800 Building $262,000	$317,800 (+14.19%) Land $55,800 Building $262,000
2024	$3,414.00	$278,300 (+18.12%) Land $54,000 Building $224,300	$278,300 (+18.12%) Land $54,000 Building $224,300
2022		$235,600 Land $49,000 Building $186,600	$235,600 Land $49,000 Building $186,600

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 378 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
Airfiber Fixed Wireless	100 / 20