109 E Toledo St, Duluth, MN 55811 Property Records

St. Louis County property record for 109 E Toledo St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 950 sqft · built 1954
Lot Size	0.229 acres (9,982 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Dec 2022)
Tax Bill	$2,832 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2640-02190`

Property Details

APN / Parcel Number

Primary APN	`010-2640-02190`
Alternative APNs	`1076454` `1141401`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	950 sqft Gross Area
1st Floor Area	950 sqft
Basement Area	475 sqft
Finished Basement	475 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	9,982 sqft (0.229 acres)
Garage Area	352 sqft
Pool Type	Spa / Hot Tub (No Pool)
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1141401
Street Address	109 E TOLEDO ST
City	DULUTH
State	MN
Zip	55811-2356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 75 FT OF LOTS 1 THRU 5 SERIAL #
Legal Subdivision	KENWOOD PARK ADDITION
Legal Block	19
Legal Lot Number	1-5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4004
Census Tract	400

Owner

Source: St. Louis County records, as of August 17, 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	109 E TOLEDO ST, DULUTH, MN 55811-2356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Aug 27, 2019	Warranty Deed, Transfer · Conventional with PMI CENTRICITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2022 · Amount on Record
Deed Sale	Dec 7, 2022 · Amount on Record
Prior Sale	Aug 27, 2019 · Amount on Record
Deed Document Number	20221064194
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 7, 2022
Property Address	109 E TOLEDO ST, DULUTH, MN 55811-2356
Document Number	0001064194
Instrument Date	Dec 1, 2022
Instrument	1064194
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E TOLEDO ST, DULUTH, MN 55811-2356

Mortgage

Document Number	0001064195
Date	Dec 7, 2022
Instrument	1064195

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 27, 2019
Property Address	109 E TOLEDO ST, DULUTH, MN 55811-2356
Document Number	00T1014321
Instrument Date	Aug 22, 2019
Instrument	T1014321
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	109 E TOLEDO ST DULUTH MN 558112356, DULUTH, MN 55811-2356

Mortgage

Document Number	T1014322
Date	Aug 27, 2019
Instrument	T1014322

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2049

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,832.00 (+7.6%) Homeowner's exemption
2025	$2,632.00 (-0.53%) Homeowner's exemption	$234,400 (+8.92%) Land $36,000 Building $198,400	$234,400 (+8.92%) Land $36,000 Building $198,400
2024	$2,646.00	$215,200 (+8.85%) Land $33,300 Building $181,900	$215,200 (+8.85%) Land $33,300 Building $181,900
2022		$197,700 Land $39,100 Building $158,600	$197,700 Land $39,100 Building $158,600

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 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1990 · 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	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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 339 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
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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