St. Louis County property record for 1107 98th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 2006 |
| Lot Size | 0.206 acres (9,002 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jun 2022) |
| Tax Bill | $3,502 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Mar 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1800-13020 |
| Primary APN | 010-1800-13020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Gross Area |
| 1st Floor Area | 1,620 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,002 sqft (0.206 acres) |
| Deck Area | 30 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1131049 |
|---|---|
| Street Address | 1107 98TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-1865 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 26 27 & 28 SERIAL # |
| Legal Subdivision | GARY FIRST DIVISION |
| Legal Block | 49 |
| Legal Lot Number | 26-28 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 3800 |
1107 98th Ave W 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 | 1107 98TH AVE W, DULUTH, MN 55808-1865 |
| 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.
| Date | Document |
|---|---|
| Jun 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage FRANDSEN FINANCIAL CORPORATION |
| Mar 1, 2021 | Limited Warranty Deed, Transfer |
| Dec 20, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2022 · Amount on File |
| Deed Sale | Jun 2, 2022 · Amount on File |
| Prior Sale | Mar 1, 2021 · Amount on File |
| Deed Document Number | 20221057231 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 2, 2022 |
| Property Address | 1107 98TH AVE W, DULUTH, MN 55808-1865 |
| Document Number | 0001057231 |
| Instrument Date | May 31, 2022 |
| Instrument | 1057231 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Title Company | CARLTON COUNTY ABSTRACT AND TITLE, CARLTON CNTY ABSTRACT & TTL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1107 98TH AVE W, DULUTH, MN 55808-1865 |
| Document Number | 0001057232 |
|---|---|
| Date | Jun 2, 2022 |
| Instrument | 1057232 |
| Name | FRANDSEN FINANCIAL CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 1, 2021 |
| Property Address | 1107 98TH AVE W, DULUTH, MN 55808-1865 |
| Document Number | 0001037165 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 1037165 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $224.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12920 W 5TH ST, DULUTH, MN 55808-2255 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 20, 2018 |
| Property Address | 1107 98TH AVE W, DULUTH, MN 55808-1865 |
| Document Number | 00T1006266 |
| Instrument Date | Dec 20, 2018 |
| Instrument | T1006266 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $353.92 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 4801 FREDERICA ST OWENSBORO KY 423017441, OWENSBORO, KY 42301-7441 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 1107 98th Ave W was $3,502 with a homeowner's exemption, up 14.7% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,502.00 (+14.74%) Homeowner's exemption | ||
| 2025 | $3,052.00 (-4.09%) Homeowner's exemption | $270,900 (+11.16%) Land $18,500 Building $252,400 | $270,900 (+11.16%) Land $18,500 Building $252,400 |
| 2024 | $3,182.00 | $243,700 Land $18,200 Building $225,500 | $243,700 Land $18,200 Building $225,500 |
| 2022 | $206,200 Land $22,400 Building $183,800 | $206,200 Land $22,400 Building $183,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1107 98th Ave W in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.
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 Policies | 27 units insured incl. 26 condo units |
| Nearby Flood Claims | 4 (2012) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 1107 98th Ave W is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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