St. Louis County property record for 109 E Niagara St, Duluth, MN 55811 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1955 |
| Square Footage | 929 sqft Gross Area |
| Lot Size | 9,419 sqft (0.216 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $270,000 (2022) |
| Tax Bill | $3,284.00 (2026) |
| Primary APN | 010-2640-02290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 3 Rooms |
| Building Area | 929 sqft Gross Area |
| 1st Floor | 929 sqft 1st Floor |
| Basement Area | 925 sqft Basement |
| Finished Basement | 925 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch Style |
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Lot Area | 9,419 sqft (0.216 acres) |
| Garage Area | 600 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Deck Area | 35 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 80 sqft Porch |
| Sauna | Sauna |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 1140037 |
|---|---|
| Street Address | 109 E NIAGARA ST |
| City | DULUTH |
| State | MN |
| Zip | 55811-2367 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ELY 75 FT OF LOTS 1 THRU 5 SERIAL # |
| Legal Subdivision | KENWOOD PARK ADDITION |
| Legal Block | 20 |
| Legal Lot Number | 1-5 |
| Jurisdiction | ST LOUIS MN |
| Minor Civil Division | DULUTH |
| Census Blockgroup | 4 |
| Census Block | 4005 |
| Census Tract | 400 |
Source: St. Louis County records · APN 010-2640-02290
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 E NIAGARA ST, DULUTH, MN 55811-2367 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 16, 2022 | Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Nov 01, 2021 | Intrafamily Transfer, Transfer |
| Sep 06, 2018 | Deed of Trust, Mortgage INTEGRITY BANK PLUS |
| Aug 12, 2020 | Warranty Deed, Transfer · Line of Credit SHARE ADVANTAGE CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2022 · Amount on Record |
| Deed Sale | Nov 16, 2022 · Amount on Record |
| Prior Sale | Aug 12, 2020 · Amount on Record |
| Deed Doc Number | 20221063534 |
| Prior Transfer Date | Oct 19, 2021 |
| Prior Transfer Doc | 0001048908 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 16, 2022 |
| Property Address | 109 E NIAGARA ST, DULUTH, MN 55811-2367 |
| Document Number | 0001063534 |
| Instrument Date | Oct 31, 2022 |
| Instrument | 1063534 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2022 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $891.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 109 E NIAGARA ST, DULUTH, MN 55811-2367 |
| Document Number | 0001063535 |
|---|---|
| Date | Nov 16, 2022 |
| Instrument | 1063535 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 01, 2021 |
| Property Address | 109 E NIAGARA ST, DULUTH, MN 55811-2367 |
| Document Number | 0001048908 |
| Instrument Date | Oct 19, 2021 |
| Instrument | 1048908 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 4910 TRAILS END DR, HERMANTOWN, MN 55811-3688 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 109 E NIAGARA ST, DULUTH, MN 55811-2367 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001002381 |
|---|---|
| Date | Sep 06, 2018 |
| Instrument | 1002381 |
| Name | INTEGRITY BANK PLUS |
|---|---|
| Type | Non-Lending Institution |
| Address | WABASSO, MN 56293 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Sep 01, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 12, 2020 |
| Property Address | 109 E NIAGARA ST, DULUTH, MN 55811-2367 |
| Document Number | 00T1027313 |
| Instrument Date | Aug 10, 2020 |
| Instrument | T1027313 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $743.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4910 TRAILS END DR HERMANTOWN MN 558113688, HERMANTOWN, MN 55811-3688 |
| Document Number | T1027314 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | T1027314 |
| Name | SHARE ADVANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 11, 2025 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,284.00 (+5.87%) Homeowner's exemption | ||
| 2025 | $3,102.00 (+0.98%) Homeowner's exemption | $265,500 (+7.49%) Land $35,000 Building $230,500 | $265,500 (+7.49%) Land $35,000 Building $230,500 |
| 2024 | $3,072.00 | $247,000 (+14.46%) Land $32,500 Building $214,500 | $247,000 (+14.46%) Land $32,500 Building $214,500 |
| 2022 | $215,800 Land $38,200 Building $177,600 | $215,800 Land $38,200 Building $177,600 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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