112 W Gary St, Duluth, MN 55808 Property Records

St. Louis County property record for 112 W Gary St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Lot Size	0.058 acres (2,530 sqft)
Owner	Individual Name on File
Last Sale	$223,000 (May 2026)
Tax Bill	$72 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1800-09440`

Property Details

APN / Parcel Number

Primary APN	`010-1800-09440`
Alternative APNs	`529939` `74243`

Exterior

Lot Area	2,530 sqft (0.058 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	529939
Street Address	112 W GARY ST
City	DULUTH
State	MN
Zip	55808-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0016 BLOCK:037 SERIAL #
Legal Subdivision	GARY FIRST DIV DULUTH
Legal Block	37
Legal Lot Number	16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1016
Census Tract	3800

Owner

112 W Gary St is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	112 W GARY ST, DULUTH, MN 55808-1737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on File
Deed Sale	May 15, 2026 · Amount on File
Prior Sale	Jan 31, 2025 · Amount on File
Deed Document Number	20261101545
Prior Transfer Date	Sep 17, 2024
Prior Transfer Doc	0001083170
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 15, 2026
Property Address	112 W GARY ST, DULUTH, MN 55808-1737
Document Number	0001101545
Instrument Date	May 5, 2026
Instrument	20261101545
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74,325.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	112 W GARY ST, DULUTH, MN 55808-1737

Mortgage

Document Number	0001101545,
Date	May 15, 2026
Instrument	20261101545

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 112 W Gary St was $72, up 2.9% 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	$72.00 (+2.86%)
2025	$70.00 Homeowner's exemption	$5,200 (+1.96%) Land $5,200	$5,200 (+1.96%) Land $5,200
2024		$5,100 Land $5,100	$5,100 Land $5,100
2022	$94.00	$6,300 Land $6,300	$6,300 Land $6,300

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 112 W Gary St in Zone X, an area of minimal flood risk, though there have been 2 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	1 in force
Nearby Flood Claims	2 (2012–2014)
Most Recent Claim	Apr 2014 · river or lake flooding

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

Wildfire risk around 112 W Gary St 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

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 316 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
T-Mobile Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20