1126 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 1126 N Central Ave, Duluth, MN 55807 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,946 sqft · built 1926
Lot Size	0.14 acres (6,131 sqft)
Owner	Individual Name on File
Last Sale	$223,000 (Sep 2020)
Tax Bill	$3,962 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-4520-17270`

Property Details

APN / Parcel Number

Primary APN	`010-4520-17270`
Alternative APN	`1095982`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,946 sqft Gross Area
1st Floor Area	1,151 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	6,131 sqft (0.14 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	63 sqft
Deck Area	66 sqft
Storage Building	66 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1095982
Street Address	1126 N CENTRAL AVE
City	DULUTH
State	MN
Zip	55807-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 EX NLY 1 FT AND ALL OF LOT 12 SERIAL #
Legal Subdivision	WEST DULUTH 6TH DIV
Legal Block	120
Legal Lot Number	11-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5001
Census Tract	15800

Owner

Source: St. Louis County records · APN 010-4520-17270

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	1126 N CENTRAL AVE, DULUTH, MN 55807-1312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/CMRC
Sep 15, 2020	Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/CMRC
Aug 28, 2020	Deed of Trust, Mortgage · Conventional with PMI NATIONAL BK/CMRC
Sep 15, 2020	Correction Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 15, 2020 · Amount on Record
Deed Sale	Sep 15, 2020 · Amount on Record
Prior Sale	Sep 10, 2020 · Amount on Record
Deed Document Number	20201390420
Prior Transfer Date	Aug 28, 2020
Prior Transfer Doc	00A1390420
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 10, 2020
Property Address	1126 N CENTRAL AVE, DULUTH, MN 55807-1312
Document Number	00T1028765
Instrument Date	Aug 28, 2020
Instrument	T1028765
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$736.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1126 N CENTRAL AVE DULUTH MN 558071312, DULUTH, MN 55807-1312

Mortgage

Document Number	T1028766
Date	Sep 10, 2020
Instrument	T1028766

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 09, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 15, 2020
Property Address	1126 N CENTRAL AVE, DULUTH, MN 55807-1312
Document Number	00A1390420
Instrument Date	Aug 28, 2020
Instrument	A1390420
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$736.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1126 N CENTRAL AVE DULUTH MN 558071312, DULUTH, MN 55807-1312

Mortgage

Document Number	A1390421
Date	Sep 15, 2020
Instrument	A1390421

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1126 N CENTRAL AVE, DULUTH, MN 55807-1312
Document Number	00A1390421
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1126 N CENTRAL AVE DULUTH MN 558071312, DULUTH, MN 55807-1312

Mortgage

Document Number	00A1390421
Date	Sep 15, 2020
Instrument	A1390421

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2050

September 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 15, 2020
Property Address	1126 N CENTRAL AVE, DULUTH, MN 55807-1312
Document Number	00A1390420
Instrument Date	Aug 28, 2020
Instrument	A1390420
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$736.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1126 N CENTRAL AVE DULUTH MN 558071312, DULUTH, MN 55807-1312

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,962.00 (+0.61%) Homeowner's exemption
2025	$3,938.00 (+3.58%) Homeowner's exemption	$328,100 (+8%) Land $15,800 Building $312,300	$328,100 (+8%) Land $15,800 Building $312,300
2024	$3,802.00 (-6.54%)	$303,800 (+7.96%) Land $16,900 Building $286,900	$303,800 (+7.96%) Land $16,900 Building $286,900
2023	$4,068.00 Homeowner's exemption
2022		$281,400 (+25.79%) Land $15,500 Building $265,900	$281,400 (+25.79%) Land $15,500 Building $265,900
2021		$223,700 Land $12,600 Building $211,100	$223,700 Land $12,600 Building $211,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 359 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
AirFiber	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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