109 S 1st Ave, Duluth, MN 55810 Property Records

St. Louis County property record for 109 S 1st Ave, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1958
Lot Size	0.306 acres (13,346 sqft)
Owner	Individual Name on File
Last Sale	$215,300 (Jun 2022)
Tax Bill	$2,656 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0085-00115`

Property Details

APN / Parcel Number

Primary APN	`185-0085-00115`
Alternative APN	`1131040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,092 sqft Gross Area
1st Floor Area	1,092 sqft
Basement Area	546 sqft
Finished Basement	546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	13,346 sqft (0.306 acres)
Garage Area	912 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	85 sqft
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1131040
Street Address	109 S 1ST AVE
City	DULUTH
State	MN
Zip	55810-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 AND NLY 5 FT OF LOT 12 LYING NELYOF HWY SERIAL #
Legal Subdivision	HAGENS ADDITION TO PROCTOR
Legal Block	1
Legal Lot Number	11-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2015
Census Tract	10100

Owner

109 S 1st Ave is owned and occupied by an individual who bought it in June 2022.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	109 S 1ST AVE, DULUTH, MN 55810-2322
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 6, 2022	Personal Representative Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 6, 2022	Affidavit of Death of Joint Tenant, Transfer NORTH SHORE TITLE
Jan 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage CD MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2022 · Amount on File
Deed Sale	Jun 6, 2022 · Amount on File
Prior Sale	Sep 15, 2004 · Amount on File
Deed Document Number	20221057334
Record Updated	Sep 20, 2026

June 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 6, 2022
Property Address	109 S 1ST AVE, DULUTH, MN 55810-2322
Document Number	0001057334
Instrument Date	May 19, 2022
Instrument	1057334
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.49
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 S 1ST AVE, PROCTOR, MN 55810-2322

Mortgage

Document Number	0001057335
Date	Jun 6, 2022
Instrument	1057335

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

June 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Jun 6, 2022
Property Address	109 S 1ST AVE, DULUTH, MN 55810-2322
Document Number	0001057330
Instrument Date	May 19, 2022
Instrument	1057330
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NORTH SHORE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 S 1ST AVE, PROCTOR, MN 55810-2322
Mail Care Of	JOSEPH W THORNTON

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	109 S 1ST AVE, DULUTH, MN 55810-2322
Document Number	000T997831
Instrument Date	Jan 3, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 S 1ST AVE PROCTOR MN 558102322, PROCTOR, MN 55810-2322

Mortgage

Document Number	000T997831
Date	May 9, 2018
Instrument	T997831

Lender

Name	CD MTG SVCS
Type	Mortgage Company
Address	NEW BRIGHTON, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 8, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 109 S 1st Ave was $2,656 with a homeowner's exemption, up 21.3% 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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,656.00 (+21.28%) Homeowner's exemption
2025	$2,190.00 (+8.63%) Homeowner's exemption	$209,900 (+15.08%) Land $25,700 Building $184,200	$209,900 (+15.08%) Land $25,700 Building $184,200
2024	$2,016.00	$182,400 Land $20,900 Building $161,500	$182,400 Land $20,900 Building $161,500
2022		$139,800 Land $15,800 Building $124,000	$139,800 Land $15,800 Building $124,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 S 1st Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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

The area around 109 S 1st Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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