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1905 Hutchinson Rd, Duluth, MN, 55811

3beds
2baths
1,521sqft
$406,000
$267price/sqft
$2,824/moest. monthly cost
$112,960/yrincome needed

About This Home

Welcome home to this beautifully updated split-entry nestled on nearly a half-acre in one of Duluth's most coveted neighborhoods. Offering seasonal views of Lake Superior Bay in a private wooded setting, this move-in ready home blends modern updates with timeless comfort and gives you the feeling of your own private sanctuary! The bright, open main level features an inviting living room, spacious dining area, and a custom kitchen complete with stone countertops, center island, lots of storage and newer appliances—perfect for everyday living or entertaining. The open concept design, gives you seamless flow and access to the outdoor living area. Two generous bedrooms and a beautifully remodeled bath with a custom walk-in tiled shower and double vanity complete the main floor. Recent updated lighting throughout the entire home truly gives this home a wonderful vibe! The completely refreshed lower level has undergone recent improvements, creating an inviting primary suite you'll love. Updates include brand-new luxury vinyl plank flooring, fresh paint and trim throughout, modern smooth ceiling tiles and updated lighting, a cozy fireplace, spacious walk-in closet, convenient half bath, laundry area, and tuck-under two-car garage complete this level. Outside, enjoy the privacy of a beautifully sized lot with mature trees while remaining just minutes from schools, hiking and biking trails, shopping, restaurants, Spirit Mountain, downtown Duluth, and the shores of Lake Superior. If you've been searching for an updated home with space, privacy, and a fantastic location, this one is ready to impress! Call and make your private showing today!

Getting Around

12
WalkingCar-Dependent
26
TransitSome Transit
6
BikeSomewhat Bikeable

Schools

7/10
4/10
5/10

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1968

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt Shingle,Other
  • Construction materials: Wood,Concrete Block,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater-Gas,Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Range,Refrigerator,Washer
  • Laundry features: Dryer Hook-Ups,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Bath,Bedrooms,Family/Rec Room,Fireplace,Utility Room,Washer Hook-Ups,Dryer Hook-Ups

Bathroom

  • Level: Main
  • Area: 100.3
  • Dimensions: 11.8 x 8.5

Bathroom

  • Level: Lower
  • Area: 28.5
  • Dimensions: 5 x 5.7

Bedroom

  • Level: Main
  • Area: 130.98
  • Dimensions: 11.8 x 11.1

Bedroom

  • Level: Main
  • Area: 138.04
  • Dimensions: 11.6 x 11.9

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 89.3
  • Dimensions: 9.5 x 9.4

Features

  • Ceiling Fan(s),Kitchen Island,Walk-In Closet(s),Foyer-Entrance
  • Door features: Patio Door
  • Flooring: Hardwood Floors,Tiled Floors
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Basement
  • Fireplace: Yes
  • Finished area below ground: 425
  • Finished area above ground: 1,096

Foyer

  • Level: Main
  • Area: 24.66
  • Dimensions: 4.11 x 6

Heating & Cooling

  • Heating features: Boiler,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 1,521 sqft

Kitchen

  • Level: Main
  • Area: 225.04
  • Dimensions: 11.6 x 19.4

Laundry

  • Level: Lower
  • Area: 111.1
  • Dimensions: 11 x 10.1

Living Room

  • Level: Main
  • Area: 334.25
  • Dimensions: 17.5 x 19.1

Master Bedroom

  • Level: Lower
  • Area: 253.44
  • Dimensions: 12.8 x 19.8

Property

Details

  • Parcel number: 010225000240
  • Zoning description: Residential
  • Other equipment: Dehumidifier

Features

  • Levels: Split Entry
  • Patio & porch: Deck
  • Exterior features: Rain Gutters
  • Has view: Yes
  • View description: Lake Superior,Bay,Panoramic
  • Has water view: Yes
  • Water view: Lake Superior,Bay

Lot

  • Lot size: 0.43 Acres
  • Lot size dimensions: 125 x 145

Parking

  • Total spaces: 2
  • Parking features: Off Street,Asphalt,Tuckunder,Drains,Electrical Service,Heat,Insulation
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 $2,052$24,624
Home Insurance *$177$2,124
Property Taxes $425$5,100
Electricity $170$2,050
Total$2,824$33,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,822/yr
40% on housing$84,720/yr
45% on housing$75,306/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

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 55811$200
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55811
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-08Pending sale$406,000
2026-07-28Listed for sale$406,000
2026-07-08Listing removed$400,000
2026-05-03Pending sale$400,000
2026-04-29Listed for sale$400,000
2011-06-28Sold$132,000
2011-03-05Price change$140,000
2011-02-15Price change$150,000
2010-09-18Listed for sale$149,900

For Sale by Agent

AgentMarina Peterson
BrokerageNorthland Sotheby's International Realty

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