1108 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 1108 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,356 sqft · built 1891
Lot Size	0.091 acres (4,003 sqft)
Owner	Individual Name on File
Last Sale	$737,500 (Jun 2024)
Tax Bill	$7,808 (2026)
Deeds & Mortgages	Aug 2019 Line of Credit Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4380-00790`

Property Details

APN / Parcel Number

Primary APN	`010-4380-00790`
Alternative APNs	`1038284` `1167100`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,356 sqft Gross Area
1st Floor Area	1,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	4,003 sqft (0.091 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	174 sqft
Deck Area	Deck Area
Storage Building	24 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1167100
Street Address	1108 S LAKE AVE
City	DULUTH
State	MN
Zip	55802-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0157 BLOCK:000 SERIAL #
Legal Subdivision	UPPER DULUTH LAKE AVE
Legal Lot Number	157
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	2200

Owner

1108 S Lake Ave is owned and occupied by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1108 S LAKE AVE, DULUTH, MN 55802-2410
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
Aug 22, 2019	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE
Sep 28, 2017	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2024 · Amount on File
Deed Sale	Jun 10, 2024 · Amount on File
Prior Sale	Sep 28, 2017 · Amount on File
Deed Document Number	20241080109
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1108 S LAKE AVE, DULUTH, MN 55802-2410
Document Number	00A1361871
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 S LAKE AVE DULUTH MN 558022410, DULUTH, MN 55802-2410

Mortgage

Document Number	00A1361871
Date	Aug 26, 2019
Instrument	A1361871

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816-0450

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 25, 2024

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 28, 2017
Property Address	1108 S LAKE AVE, DULUTH, MN 55802-2410
Document Number	000T990272
Instrument Date	Sep 8, 2017
Instrument	T990272
Transaction Type	Transfer
Record Updated	Oct 10, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,029.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1108 S LAKE AVE DULUTH MN 558022410, DULUTH, MN 55802-2410

Mortgage

Document Number	T990273
Date	Sep 28, 2017
Instrument	T990273

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1108 S Lake Ave was $7,808 with a homeowner's exemption, up 29.1% 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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,808.00 (+29.14%) Homeowner's exemption
2025	$6,046.00 (+7.16%) Homeowner's exemption	$571,900 (+29.68%) Land $154,300 Building $417,600	$571,900 (+29.68%) Land $154,300 Building $417,600
2024	$5,642.00	$441,000 Land $228,200 Building $212,800	$441,000 Land $228,200 Building $212,800
2022		$338,800 Land $110,400 Building $228,400	$338,800 Land $110,400 Building $228,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1108 S Lake Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1986–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 3 claims

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 1108 S Lake 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	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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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: Airfiber.

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