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2820 W 15th St, Duluth, MN, 55806

4beds
3baths
3,768sqft
$649,000
$172price/sqft
$4,502/moest. monthly cost
$180,080/yrincome needed

About This Home

Wake up to breathtaking sunrises over Lake Superior and experience panoramic water views from all three finished levels of this exceptional hillside townhome. Perfectlypositioned along prestigious Exhibition Drive, this spacious residence combines the ease of low-maintenance living with the size, flexibility, and comfort rarely found in atownhome. Step inside from the attached garage and discover an inviting main level designed for both everyday living and effortless entertaining. The thoughtfullydesigned kitchen flows seamlessly into the dining area, living room, and a bright sunroom, where walls of windows frame ever-changing lake views and passing shipscreate a stunning backdrop throughout the day. Main-floor laundry and a convenient half bath add to the home's practical design. An expansive steel-reinforcedwraparound deck extends your living space outdoors, creating the perfect setting for morning coffee, evening gatherings, or simply relaxing while taking in one ofDuluth's most spectacular panoramas. Upstairs, the beautifully updated primary suite offers a private retreat complete with a renovated walk-in shower and directelevator access, making single-level living a possibility for years to come. Additional bedrooms provide comfortable accommodations for family, guests, or a dedicatedhome office. The finished walkout lower level adds even more versatile living space, ideal for entertaining, recreation, hobbies, or extended guest stays. With abathroom on every level, hot water heat complemented by supplemental electric heat, mini-split air conditioning, and an elevator connecting multiple floors, this homeoffers comfort, convenience, and flexibility that adapts to every stage of life. If you've been searching for expansive living spaces, unforgettable Lake Superior views,and a truly unique property in one of Duluth's most desirable locations, this is an opportunity you won't want to miss.

Getting Around

14
WalkingCar-Dependent
31
TransitSome Transit
6
BikeSomewhat Bikeable

Schools

7/10
4/10
5/10

Construction

Condition

  • Year built: 1989

Materials

  • Roof: Architectural Shingle,Asphalt
  • Construction materials: Post and Beam

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Finished,Walk-Out Access

Bedroom

  • Level: Upper
  • Area: 295.1667
  • Dimensions: 13'5"x22'

Bedroom2

  • Level: Upper
  • Area: 131.4097
  • Dimensions: 10'7"x12'5"

Bedroom3

  • Level: Upper
  • Area: 140
  • Dimensions: 10x14

Bedroom4

  • Level: Upper
  • Area: 135.6667
  • Dimensions: 11x12'4"

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 118.9236
  • Dimensions: 10'5"x11'5"

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,200
  • Finished area above ground: 2,568

Foyer

  • Level: Main
  • Area: 112
  • Dimensions: 14x8

Heating & Cooling

  • Heating features: Baseboard,Boiler,Ductless Mini-Split,Dual Fuel/Off Peak
  • Cooling features: Ductless Mini-Split

Interior Area

  • Total structure area: 3,768
  • Total interior livable area: 3,768 sqft

Kitchen

  • Level: Main
  • Area: 224
  • Dimensions: 12x18'8"

Laundry

  • Level: Main
  • Area: 48
  • Dimensions: 6x8

Living Room

  • Level: Main
  • Area: 389.0833
  • Dimensions: 13'5"x29'

Office

  • Level: Lower
  • Area: 263.0208
  • Dimensions: 10'5"x25'3"

Recreation Room

  • Level: Lower
  • Area: 490.1667
  • Dimensions: 14'5"x34'

Sun Room

  • Level: Main
  • Area: 160
  • Dimensions: 12x13'4"

Property

Accessibility

  • Accessibility features: Doors 36"+,Customized Wheelchair Accessible

Details

  • Parcel number: 010157300020
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 1200

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 1,785 sqft
  • Features: Tree Coverage - Heavy
  • Lot size dimensions: 67 x 140

Parking

  • Total spaces: 2
  • Parking features: Concrete,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High

How This Home’s Risks Compare

Lightning

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,281$39,372
Home Insurance *$158$1,896
Property Taxes $746$8,952
Electricity $317$3,813
Total$4,502$54,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,354/yr
40% on housing$135,060/yr
45% on housing$120,053/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 55806$167
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55806
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Price change$649,000
2026-07-29Listed for sale$669,000
2023-01-09Sold$468,500
2022-11-04Sold$468,500
2022-10-11Pending sale$489,900
2022-10-04Contingent$489,900
2022-09-29Listed for sale$489,900
2022-09-26Contingent$489,900
2022-09-15Price change$489,900
2022-07-21Price change$499,900
2022-06-23Listed for sale$549,500
2018-05-23Sold$415,000
2018-03-30Pending sale$424,900
2017-11-01Price change$424,900
2017-08-01Price change$419,900
2017-05-22Price change$427,500
2017-02-02Listed for sale$438,800
2016-11-01Listing removed$429,900
2016-08-21Price change$429,900
2016-08-13Price change$438,900
2016-07-18Price change$449,900
2016-06-28Price change$457,900
2016-05-16Listed for sale$463,250
2002-12-17Sold$349,900

For Sale by Agent

AgentBrandon L. Miskulin
BrokerageNational Realty Guild

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