1127 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 1127 N Central Ave, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,324 sqft · built 1913
Lot Size	0.096 acres (4,215 sqft)
Owner	Individual Name on Record
Last Sale	$103,000 (Apr 2005)
Tax Bill	$2,422 (2026)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4520-12340`

Property Details

APN / Parcel Number

Primary APN	`010-4520-12340`
Alternative APN	`779483`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,324 sqft Gross Area
1st Floor Area	845 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1975
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,215 sqft (0.096 acres)
Garage Area	91 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	119 sqft
Deck Area	91 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	779483
Street Address	1127 N CENTRAL AVE
City	DULUTH
State	MN
Zip	55807-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & THAT PART OF LOTS 2 & 3 LYINGNELY OF A LINE DRAWN FROM A PT ON THENWLY LINE OF LOT 3 DISTANT 27 FT NELY OFNW COR OF
Legal Subdivision	WEST DULUTH SIXTH DIVISION
Legal Block	90
Legal Lot Number	1-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	3000

Owner

Source: St. Louis County records, as of August 17, 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 Record
Mailing Address	1127 N CENTRAL AVE, DULUTH, MN 55807-1311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2005 · Amount on Record
Deed Sale	Apr 13, 2005 · Amount on Record
Deed Document Number	2005978109
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1127 N CENTRAL AVE, DULUTH, MN 55807-1311
Document Number	00A1400618
Instrument Date	Dec 31, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1127 N CENTRAL AVE DULUTH MN 558071311, DULUTH, MN 55807-1311

Mortgage

Document Number	00A1400618
Date	Jan 8, 2021
Instrument	A1400618

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 7, 2026

Tax Assessment & Valuation

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	$2,422.00 (+12.86%) Homeowner's exemption
2025	$2,146.00 (-4.62%) Homeowner's exemption	$208,300 (+14.32%) Land $10,900 Building $197,400	$208,300 (+14.32%) Land $10,900 Building $197,400
2024	$2,250.00	$182,200 (+8%) Land $11,300 Building $170,900	$182,200 (+8%) Land $11,300 Building $170,900
2022		$168,700 Land $10,400 Building $158,300	$168,700 Land $10,400 Building $158,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20