1038 86th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 1038 86th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 840 sqft · built 1913
Lot Size	0.046 acres (2,044 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Sep 2026)
Tax Bill	$876 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0134-00750`

Property Details

APN / Parcel Number

Primary APN	`010-0134-00750`
Alternative APNs	`1018926` `1195041`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	840 sqft Gross Area
1st Floor Area	420 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1985
Architectural Style	Row Home
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Lot Area	2,044 sqft (0.046 acres)
Garage Area	264 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	124 sqft
Storage Building	49 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	1195041
Street Address	1038 86TH AVE W
City	DULUTH
State	MN
Zip	55808-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0003 BLOCK:016 SERIAL #
Legal Subdivision	AUDITORS 21 DULUTH
Legal Block	16
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1009
Census Tract	3700

Owner

1038 86th Ave W is owned and occupied by an individual who bought it in September 2026.

Source: St. Louis County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	1038 86TH AVE W, DULUTH, MN 55808-1413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Jul 27, 2021 · Amount on File
Deed Document Number	20261105479
Prior Transfer Date	Feb 27, 2026
Prior Transfer Doc	0001099512
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 1, 2026
Property Address	1038 86TH AVE W, DULUTH, MN 55808-1413
Document Number	0001105479
Instrument Date	Aug 5, 2026
Instrument	20261105479
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1038 86TH AVE W, DULUTH, MN 55808-1413

Mortgage

Document Number	0001105480,
Date	Sep 1, 2026
Instrument	20261105480

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1038 86th Ave W was $876, down 0.7% 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	$876.00 (-0.68%)
2025	$882.00 (-13.87%) Homeowner's exemption	$102,900 (+6.63%) Land $4,500 Building $98,400	$102,900 (+6.63%) Land $4,500 Building $98,400
2024	$1,024.00	$96,500 Land $5,300 Building $91,200	$96,500 Land $5,300 Building $91,200
2022		$33,600 Land $4,900 Building $28,700	$33,600 Land $4,900 Building $28,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1038 86th Ave W in Zone X, an area of minimal flood risk.

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
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 1038 86th Ave W is low, with 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 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Airfiber Fixed Wireless	100 / 20