1127 98th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 1127 98th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,620 sqft · built 2008
Lot Size	0.275 acres (12,002 sqft)
Owner	Individual Name on File
Last Sale	$272,500 (Aug 2023)
Tax Bill	$4,102 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1800-12920`

Property Details

APN / Parcel Number

Primary APN	`010-1800-12920`
Alternative APNs	`1152282` `876424`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,620 sqft Gross Area
1st Floor Area	1,620 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,002 sqft (0.275 acres)
Garage Area	576 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1152282
Street Address	1127 98TH AVE W
City	DULUTH
State	MN
Zip	55808-1865
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 16 THRU 19 SERIAL #
Legal Subdivision	GARY FIRST DIV DULUTH
Legal Block	49
Legal Lot Number	16-19
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2016
Census Tract	3800

Owner

1127 98th Ave W is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1127 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2023 · Amount on File
Deed Sale	Aug 1, 2023 · Amount on File
Prior Sale	Oct 31, 2006 · Amount on File
Deed Document Number	20231070734
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 1, 2023
Property Address	1127 98TH AVE W, DULUTH, MN 55808-1865
Document Number	0001070734
Instrument Date	Jul 28, 2023
Instrument	1070734
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$899.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1127 98TH AVE W, DULUTH, MN 55808-1865

Mortgage

Document Number	0001070735
Date	Aug 1, 2023
Instrument	1070735

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 1127 98th Ave W was $4,102 with a homeowner's exemption, up 14.5% 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	$4,102.00 (+14.52%) Homeowner's exemption
2025	$3,582.00 (-3.61%) Homeowner's exemption	$310,800 (+11.16%) Land $21,300 Building $289,500	$310,800 (+11.16%) Land $21,300 Building $289,500
2024	$3,716.00 (+10.86%)	$279,600 Land $21,000 Building $258,600	$279,600 Land $21,000 Building $258,600
2023	$3,352.00 Homeowner's exemption
2022		$237,000 (+22.73%) Land $25,800 Building $211,200	$237,000 (+22.73%) Land $25,800 Building $211,200
2021		$193,100 Land $21,000 Building $172,100	$193,100 Land $21,000 Building $172,100

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

Flood

FEMA maps place 1127 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	Severe Storms And Flooding, Jun 2012 · 4 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

Wildfire risk around 1127 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.

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 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