St. Louis County property record for 1003 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,584 sqft · built 1888 |
| Lot Size | 0.215 acres (9,390 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $159,000 (Jul 2016) |
| Tax Bill | $3,740 (2026) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-12780 |
| Primary APN | 010-4520-12780 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Gross Area |
| 1st Floor Area | 932 sqft |
| Basement Area | 247 sqft |
| Finished Basement | 247 sqft |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 9,390 sqft (0.215 acres) |
| Garage Area | 672 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 98 sqft |
| Deck Area | 222 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 1012410 |
|---|---|
| Street Address | 1003 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 14 15 AND 16 SERIAL # |
| Legal Subdivision | WEST DULUTH SIXTH DIVISION |
| Legal Block | 91 |
| Legal Lot Number | 14-15 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 3000 |
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 | 1003 N CENTRAL AVE, DULUTH, MN 55807-1368 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 5, 2024 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jan 3, 2023 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2016 · Amount on Record |
| Deed Sale | Jul 13, 2016 · Amount on Record |
| Prior Sale | May 30, 2008 · Amount on Record |
| Deed Document Number | 2016973118 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1003 N CENTRAL AVE, DULUTH, MN 55807-1368 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1003 N CENTRAL AVE, DULUTH, MN 55807-1368 |
| Document Number | 0001077339 |
|---|---|
| Date | Mar 5, 2024 |
| Instrument | 1077339 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1003 N CENTRAL AVE, DULUTH, MN 55807-1368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1003 N CENTRAL AVE, DULUTH, MN 55807-1368 |
| Document Number | 0001065000 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 1065000 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2053 |
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 | $3,740.00 (+11.58%) Homeowner's exemption | ||
| 2025 | $3,352.00 (-3.01%) Homeowner's exemption | $300,200 (+13.71%) Land $20,500 Building $279,700 | $300,200 (+13.71%) Land $20,500 Building $279,700 |
| 2024 | $3,456.00 | $264,000 (+9.09%) Land $21,800 Building $242,200 | $264,000 (+9.09%) Land $21,800 Building $242,200 |
| 2022 | $242,000 Land $20,100 Building $221,900 | $242,000 Land $20,100 Building $221,900 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 583 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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