109 W 9th St, Duluth, MN 55806 Property Records

St. Louis County property record for 109 W 9th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,560 sqft · built 1904
Lot Size	0.16 acres (7,010 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Dec 2023)
Tax Bill	$3,704 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1350-09620`

Property Details

APN / Parcel Number

Primary APN	`010-1350-09620`
Alternative APNs	`1159369` `1150811` `739429`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,560 sqft Gross Area
1st Floor Area	900 sqft
Basement Area	440 sqft
Finished Basement	440 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,010 sqft (0.16 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	100 sqft
Deck Area	48 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1159369
Street Address	109 W 9TH ST
City	DULUTH
State	MN
Zip	55806-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EX N 10 FT FOR ALLEY SERIAL #
Legal Subdivision	DULUTH PROPER THIRD DIV
Legal Block	132
Legal Lot Number	21
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1010
Census Tract	1800

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 W 9TH ST, DULUTH, MN 55806-2520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jul 5, 2023	Warranty Deed, Transfer · Commercial Mortgage SUPERIOR CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2023 · Amount on Record
Deed Sale	Dec 11, 2023 · Amount on Record
Prior Sale	Jul 5, 2023 · Amount on Record
Deed Document Number	20231479510
Prior Transfer Date	Aug 30, 2002
Prior Transfer Doc	0000877149
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 11, 2023
Property Address	109 W 9TH ST, DULUTH, MN 55806-2520
Document Number	0001479510
Instrument Date	Nov 30, 2023
Instrument	1479510
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
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 W 9TH ST, DULUTH, MN 55806-2520

Mortgage

Document Number	0001479511
Date	Dec 11, 2023
Instrument	1479511

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.4%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	4.4%
Max Rate At Change	8.4%
Index	1-Year T-Bill
Max Rate	11.4%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 5, 2023
Property Address	109 W 9TH ST, DULUTH, MN 55806-2520
Document Number	0001469351
Instrument Date	Jun 20, 2023
Instrument	1469351
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	NOT AVAILABLE, PIONEER TITLE TWIN PORTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4844 LAVAQUE RD, DULUTH, MN 55811-9793

Mortgage

Document Number	0001469352
Date	Jul 5, 2023
Instrument	1469352

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jun 23, 2024

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	$3,704.00 (+10.04%)
2025	$3,366.00 (+17.04%)	$278,300 (+13.78%) Land $55,700 Building $222,600	$278,300 (+13.78%) Land $55,700 Building $222,600
2024		$244,600 (+17.82%) Land $54,000 Building $190,600	$244,600 (+17.82%) Land $54,000 Building $190,600
2023	$2,876.00 Homeowner's exemption
2022		$207,600 (+13.82%) Land $49,000 Building $158,600	$207,600 (+13.82%) Land $49,000 Building $158,600
2021		$182,400 Land $33,500 Building $148,900	$182,400 Land $33,500 Building $148,900

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 92% 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 158 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
Starlink Satellite	280 / 30

May also be available: Airfiber.

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