St. Louis County property record for 1040 86th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1913 |
| Lot Size | 0.046 acres (2,044 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Jul 2025) |
| Tax Bill | $984 (2026) |
| Deeds & Mortgages | Sep 2026 Sale Jan 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0134-00740 |
| Primary APN | 010-0134-00740 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 840 sqft Gross Area |
| 1st Floor Area | 420 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Row Home |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 2,044 sqft (0.046 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 124 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1185004 |
|---|---|
| Street Address | 1040 86TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-1413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0002 BLOCK:016 SERIAL # |
| Legal Subdivision | AUDITORS PLAT #21 |
| Legal Block | 16 |
| Legal Lot Number | 2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 3700 |
Source: St. Louis County records, as of October 2, 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 | 1040 86TH AVE W, DULUTH, MN 55808-1413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Sep 18, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 11, 2023 | Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE |
| Jan 12, 2023 | Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE |
| Jan 11, 2023 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE |
| Jan 12, 2023 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2025 · Amount on Record |
| Deed Sale | Jul 17, 2025 · Amount on Record |
| Prior Sale | Oct 11, 2011 · Amount on Record |
| Deed Document Number | 20251092028 |
| Last Transfer Date | Jun 3, 2026 |
| Transfer Doc | 0001106128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 18, 2026 |
| Property Address | 1040 86TH AVE W, DULUTH, MN 55808-1413 |
| Document Number | 0001106128 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 20261106128 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1040 86TH AVE W, DULUTH, MN 55808-1413 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1040 86TH AVE W, DULUTH, MN 55808-1413 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3947 E CALVARY RD 102, 102, DULUTH, MN 55803-1310 |
| Document Number | 0001065235 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 1065235 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Dec 29, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1040 86TH AVE W, DULUTH, MN 55808-1413 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3947 E CALVARY RD 102, 102, DULUTH, MN 55803-1310 |
| Document Number | 0001460276 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 1460276 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Dec 29, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1040 86TH AVE W, DULUTH, MN 55808-1413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3947 E CALVARY RD 102, 102, DULUTH, MN 55803-1310 |
| Document Number | 0001065236 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 1065236 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 14 Months |
| Due | Feb 29, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1040 86TH AVE W, DULUTH, MN 55808-1413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3947 E CALVARY RD 102, 102, DULUTH, MN 55803-1310 |
| Document Number | 0001460277 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 1460277 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 14 Months |
| Due | Feb 29, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $984.00 (-17.17%) Homeowner's exemption | ||
| 2025 | $1,188.00 (-2.78%) | $117,700 (+38.47%) Land $4,500 Building $113,200 | $117,700 (+38.47%) Land $4,500 Building $113,200 |
| 2024 | $1,222.00 | $85,000 (+62.21%) Land $5,300 Building $79,700 | $85,000 (+62.21%) Land $5,300 Building $79,700 |
| 2022 | $52,400 Land $4,900 Building $47,500 | $52,400 Land $4,900 Building $47,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 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 |
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