1023 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 1023 N Central Ave, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.25 ba · 1,688 sqft · built 1917
Lot Size	0.132 acres (5,776 sqft)
Owner	Individual Name on File
Last Sale	$112,500 (Jun 2005)
Tax Bill	$3,358 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4520-12660`

Property Details

APN / Parcel Number

Primary APN	`010-4520-12660`
Alternative APN	`1088333`

Interior

Bedrooms	5 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,688 sqft Gross Area
1st Floor Area	856 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1975
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	5,776 sqft (0.132 acres)
Garage Area	484 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	200 sqft
Deck Area	60 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1088333
Street Address	1023 N CENTRAL AVE
City	DULUTH
State	MN
Zip	55807-1368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4 AND 5 SERIAL #
Legal Subdivision	WEST DULUTH SIXTH DIVISION
Legal Block	91
Legal Lot Number	4-5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	3000

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1023 N CENTRAL AVE, DULUTH, MN 55807-1368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2005 · Amount on File
Deed Sale	Jun 17, 2005 · Amount on File
Prior Sale	May 13, 2004 · Amount on File
Deed Document Number	2005799488
Last Transfer Date	Jan 3, 2020
Transfer Doc	0001022488
Record Updated	Sep 20, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 17, 2020
Property Address	1023 N CENTRAL AVE, DULUTH, MN 55807-1368
Document Number	00T1022488
Instrument Date	Jan 3, 2020
Instrument	T1022488
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	AFFINITY PLUS TITLE COMPANY, AFFINITY PLUS TITLE CO

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1023 N CENTRAL AVE DULUTH MN 558071368, DULUTH, MN 55807-1368

Mortgage

Document Number	T1022489
Date	Apr 17, 2020
Instrument	T1022489

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

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	$3,358.00 (+12.16%) Homeowner's exemption
2025	$2,994.00 (-3.42%) Homeowner's exemption	$273,500 (+14.05%) Land $14,900 Building $258,600	$273,500 (+14.05%) Land $14,900 Building $258,600
2024	$3,100.00	$239,800 (+7.15%) Land $15,800 Building $224,000	$239,800 (+7.15%) Land $15,800 Building $224,000
2022		$223,800 Land $14,500 Building $209,300	$223,800 Land $14,500 Building $209,300

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
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	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.

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 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