105 1st St, Duluth, MN 55810 Property Records

St. Louis County property record for 105 1st St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,626 sqft · built 1900
Lot Size	0.293 acres (12,780 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Sep 2019)
Tax Bill	$2,736 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0040-00240`

Property Details

APN / Parcel Number

Primary APN	`185-0040-00240`
Alternative APN	`1078376`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,626 sqft Gross Area
1st Floor Area	890 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Other
Construction Type	Frame
Lot Area	12,780 sqft (0.293 acres)
Garage Area	672 sqft

Exterior Amenities

Porch	Porch
Porch Area	108 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1078376
Street Address	105 1ST ST
City	DULUTH
State	MN
Zip	55810-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 11 AND 12 SERIAL #
Legal Subdivision	PROCTORKNOTT FIRST ADDITION
Legal Block	2
Legal Lot Number	11-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2010
Census Tract	10100

Owner

Source: St. Louis County records, as of October 9, 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	105 1ST ST, DULUTH, MN 55810-2302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Sep 24, 2020	Loan Modification, Mortgage · Conventional Mortgage NATIONAL BK/CMRC
Sep 30, 2019	Warranty Deed, Construction Loan · Construction Mortgage REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Deed Document Number	20191364437
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	105 1ST ST, DULUTH, MN 55810-2302
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	RESULTS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001415421
Date	Jun 1, 2021
Instrument	1415421

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	105 1ST ST, DULUTH, MN 55810-2302
Document Number	00A1392152
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 1ST ST PROCTOR MN 558102302, PROCTOR, MN 55810-2302

Mortgage

Document Number	00A1392152
Date	Oct 6, 2020
Instrument	A1392152

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 5, 2021

September 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 30, 2019
Property Address	105 1ST ST, DULUTH, MN 55810-2302
Document Number	00A1364437
Instrument Date	Sep 27, 2019
Instrument	A1364437
Transaction Type	Construction Loan
Record Updated	Dec 11, 2019
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 1ST ST PROCTOR MN 558102302, PROCTOR, MN 55810-2302

Mortgage

Document Number	A1364438
Date	Sep 30, 2019
Instrument	A1364438

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 29, 2020

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,736.00 (+17.93%)
2025	$2,320.00 (+11%)	$189,700 (+15.81%) Land $24,900 Building $164,800	$189,700 (+15.81%) Land $24,900 Building $164,800
2024	$2,090.00	$163,800 (+30.52%) Land $20,500 Building $143,300	$163,800 (+30.52%) Land $20,500 Building $143,300
2022		$125,500 Land $15,400 Building $110,100	$125,500 Land $15,400 Building $110,100

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 · 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 Claims	1 (1979)
Most Recent Claim	May 1979 · rainfall accumulation

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

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

Wildfire Risk	Not rated no burnable land within 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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 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
AT&T Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, T-Mobile.

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