103 W Niagara St, Duluth, MN 55811 Property Records

St. Louis County property record for 103 W Niagara St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,107 sqft · built 1960
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Trust Names on File
Last Sale	$218,000 (Oct 2020)
Tax Bill	$3,858 (2026)
Deeds & Mortgages	Nov 2025 Transfer Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`010-3410-07040`

Property Details

APN / Parcel Number

Primary APN	`010-3410-07040`
Alternative APNs	`1097868` `1191185`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,107 sqft Gross Area
1st Floor Area	1,107 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,799 sqft (0.202 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	16 sqft
Storage Building	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1191185
Street Address	103 W NIAGARA ST
City	DULUTH
State	MN
Zip	55811-2364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 2 AND 3 SERIAL #
Legal Subdivision	MYERS & WHIPPLES ADDITION
Legal Block	43
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3004
Census Tract	400

Owner

103 W Niagara St is held in a trust since September 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	7356 S MERRILL AVE, CHICAGO, IL 60649-3209
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Intrafamily Transfer, Transfer
Oct 13, 2020	Warranty Deed, Transfer ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Jan 4, 2011 · Amount on File
Deed Document Number	20201030412
Last Transfer Date	Sep 12, 2025
Transfer Doc	0001096409
Record Updated	Sep 20, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Nov 20, 2025
Property Address	103 W NIAGARA ST, DULUTH, MN 55811-2364
Document Number	0001096409
Instrument Date	Nov 18, 2025
Instrument	1096409
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7356 S MERRILL AVE, CHICAGO, IL 60649-3209

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 13, 2020
Property Address	103 W NIAGARA ST, DULUTH, MN 55811-2364
Document Number	00T1030412
Instrument Date	Oct 2, 2020
Instrument	T1030412
Transaction Type	Transfer
Record Updated	Nov 12, 2020
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount on Record
Tax	$719.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7356 S MERRILL AVE CHICAGO IL 606493209, CHICAGO, IL 60649-3209

Tax Assessment & Valuation

The 2026 property tax bill for 103 W Niagara St was $3,858, up 9.4% from the year before.

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	$3,858.00 (+9.35%)
2025	$3,528.00 (+3.95%)	$285,500 (+11.35%) Land $33,900 Building $251,600	$285,500 (+11.35%) Land $33,900 Building $251,600
2024	$3,394.00	$256,400 Land $31,500 Building $224,900	$256,400 Land $31,500 Building $224,900
2022		$223,200 Land $37,000 Building $186,200	$223,200 Land $37,000 Building $186,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 W Niagara St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 103 W Niagara St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on W Niagara St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures