Duluth MN foreclosures — St. Louis County sheriff sale list and redemption

Duluth MN foreclosures are one part of a county that runs two housing markets at once. Govire tracks 46 St. Louis County sheriff's sale notices as of September 18, 2026 — 22 scheduled between September 23 and December 2, 23 held with the redemption window still open, and one whose window has expired. Fifteen are in Duluth and Proctor. The other 31 are spread across the Iron Range and the rural county: Hibbing, Virginia, Chisholm, Hoyt Lakes, Ely, Biwabik and a dozen smaller places. Anyone searching for foreclosed homes in Duluth is looking at a third of the county's foreclosures; the rest are an hour north, worth less than half as much, and mostly financed by lenders with an office on the Range.

This page is built from the published sheriff's sale notices Govire collects for St. Louis County, matched to county parcel records. The numbers are dated, and they change as new notices publish and windows close. The sale-by-sale list — city, sale date, opening bid and redemption expiry for each property — is at govire.com/data.

Duluth and St. Louis County foreclosures right now#

Figures as of September 18, 2026.

Two things to read alongside those numbers.

First, Govire's St. Louis County coverage began in June 2026, when the statewide public-notice feed was added. This is three months of notices, not a year. A county showing 46 sales since June will show far more by spring, and nothing on this page should be read as the county's annual volume. The one 2025 sale in the set was captured from a later filing.

Second, one notice in the set covers two parcels on the same road in Embarrass. It is counted once as a sale and twice as a notice, which is why the two figures differ by one.

St. Louis County sheriff sale list by month#

Every St. Louis County sheriff sale Govire has tracked falls on a Wednesday. Sales the county has scheduled but not yet held are listed as scheduled; a redemption window does not start until the sale occurs, and one of the 46 has already been postponed once.

Duluth against the Range: two markets in one county#

The split matters more than the total. Duluth's fourteen sales have a median assessed value of $258,650, within reach of the Hennepin County distressed median of $294,900, and in only one of the fifteen Duluth-and-Proctor sales does the lender's opening bid exceed the assessed value. The twenty-nine Range and rural sales with a value on file have a median of $109,300, and in twelve of them the opening bid is higher than what the county says the house is worth. In Virginia, three of four sales open above assessed value; in Chisholm a bid sits at two and a half times the value.

That is what an underwater foreclosure looks like in the record: a lender bidding its debt on a property the market would not pay that much for, which usually means the lender takes it back and the property becomes bank-owned. For a buyer, the Range sales are where the county's bank-owned inventory will come from over the next year. For an owner, an opening bid above value is the case where redemption is least likely — statewide, owners redeem 20.0% of the time when the bid is 80% or more of value, against 58.1% when it is under half (50 and 31 Hennepin windows respectively).

Across the county the median opening bid is 69% of assessed value: 14 sales open under half, 11 between 50 and 80%, 19 at 80% or above.

Who is foreclosing in St. Louis County#

Ten of the 46 notices come from lenders based in the region: the Miners National Bank of Eveleth twice, Embarrass Vermillion Federal Credit Union, North Star Credit Union, National Bank of Commerce, Northeast Entrepreneur Fund, North St. Louis County Habitat for Humanity, Minnesota Housing Finance Agency, and Servion twice. Four more are USDA Rural Housing Service loans. In Hennepin, Anoka and Dakota the foreclosing party is almost always a national servicer; here nearly a third of the sales trace to a lender with an office on the Range. For a buyer that changes who to call about a certificate; for an owner it changes the odds of a workout, because a credit union that knows the borrower negotiates in ways a servicer's foreclosure desk does not.

Every notice was published through the Minnesota newspapers' public-notice site, the statutory route under Minn. Stat. 580.03.

The redemption period after a St. Louis County sheriff sale#

Winning the bid does not hand you the keys. Minnesota Statute 580.23 gives the former owner a redemption period, six months by default, to pay the winning bid plus interest and costs and keep the house. Forty-two of the 46 notices state six months. Four state twelve — the twelve-month period applies where the amount owed at the notice was under two-thirds of the original mortgage, or the property is agricultural and over ten acres. An owner-occupant can also postpone the sale under Statute 580.07 at the cost of a five-week period afterwards; the trade-off is explained in the Minnesota foreclosure timeline.

Unlike Anoka, the St. Louis County notices state the period, so the expiry dates on Govire's list are read from the notice rather than assumed. The four twelve-month cases are labelled as such.

For a buyer, the 23 open windows are 23 properties whose ownership is not yet settled; the earliest closes in late December 2026, the twelve-month ones in August and September 2027. For an owner, an open window is time: the property can still be redeemed, or sold with the sale price paying off the redemption amount, right up to the last day.

St. Louis County redemption rate: not yet#

Govire follows every window it opens until the county recorder shows what happened. St. Louis County coverage is three months old and no window has resolved, so there is no county rate to publish. The statewide figure is 34.2% of 319 resolved sheriff's-sale windows ending in the owner redeeming — Hennepin 38.8% across 160, Dakota 26.2% across 61, Washington 24.2% across 66. A St. Louis County figure will appear here once at least twenty windows have closed, with its count beside it.

How Duluth MN foreclosures work#

Nearly every St. Louis County foreclosure happens by advertisement. The lender does not sue; its law firm publishes the notice for six weeks, serves the occupants, and the property is sold at a public sheriff's sale run by the county sheriff's civil division. The winning bidder pays in full at the sale, in certified funds, and receives a certificate that becomes a deed only if the owner does not redeem. Foreclosure by action, through the courts, is the rare path. The full sequence is in the Minnesota foreclosure timeline.

Where and at what time the sales are held is stated in each notice. Govire has not independently verified the venue for St. Louis County; confirm it with the sheriff's civil division before attending.

What this page does not show#

No tax-forfeited land. St. Louis County is Minnesota's largest source of tax-forfeited parcels, and searches for it outnumber searches for the county's foreclosures. That is a separate process on a three-year clock under a different statute, and it gets its own page. The Minnesota tax-forfeited land guide explains the difference.

No property-level detail here. Addresses, exact sale dates, opening bids and redemption expiry dates for each of the 46 sales are on the data view, where they sit beside the parcel record and update as the county publishes.

See current Duluth and St. Louis County foreclosures#

See the current St. Louis County foreclosure list →

For the other outstate market Govire covers, see Rochester MN foreclosures; for the statewide picture, Minnesota foreclosures by county.