1129 103rd Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 1129 103rd Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1916
Lot Size	0.068 acres (3,002 sqft)
Owner	Individual Name on File
Last Sale	$196,000 (Nov 2022)
Tax Bill	$2,460 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1800-11300`

Property Details

APN / Parcel Number

Primary APN	`010-1800-11300`
Alternative APNs	`1035413` `1140745`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,144 sqft Gross Area
1st Floor Area	572 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	3,002 sqft (0.068 acres)
Garage Area	216 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	142 sqft
Deck Area	30 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	1140745
Street Address	1129 103RD AVE W
City	DULUTH
State	MN
Zip	55808-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 16 17 AND 18 BLOCK 44 SERIAL #
Legal Subdivision	GARY FIRST DIV DULUTH
Legal Block	44
Legal Lot Number	16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1028
Census Tract	3800

Owner

1129 103rd Ave W is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1129 103RD AVE W, DULUTH, MN 55808-1808
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
Nov 22, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Aug 4, 2017	Warranty Deed, Transfer · Conventional with PMI HERMANTOWN FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on File
Deed Sale	Nov 22, 2022 · Amount on File
Prior Sale	Aug 4, 2017 · Amount on File
Deed Document Number	20221063796
Prior Transfer Date	Dec 16, 2021
Prior Transfer Doc	0001051071
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 22, 2022
Property Address	1129 103RD AVE W, DULUTH, MN 55808-1808
Document Number	0001063796
Instrument Date	Nov 18, 2022
Instrument	1063796
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$646.80
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	1129 103RD AVE W, DULUTH, MN 55808-1808

Mortgage

Document Number	0001063797
Date	Nov 22, 2022
Instrument	1063797

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 4, 2017
Property Address	1129 103RD AVE W, DULUTH, MN 55808-1808
Document Number	000T988187
Instrument Date	Jun 30, 2017
Instrument	T988187
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$466.00
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	1129 103RD AVE W DULUTH MN 558081808, DULUTH, MN 55808-1808

Mortgage

Document Number	T988188
Date	Aug 4, 2017
Instrument	T988188

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	HERMANTOWN, MN 55811

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1129 103rd Ave W was $2,460 with a homeowner's exemption, up 15.1% 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	$2,460.00 (+15.06%) Homeowner's exemption
2025	$2,138.00 (-1.29%) Homeowner's exemption	$201,400 (+10.84%) Land $18,500 Building $182,900	$201,400 (+10.84%) Land $18,500 Building $182,900
2024	$2,166.00	$181,700 Land $18,200 Building $163,500	$181,700 Land $18,200 Building $163,500
2022		$175,900 Land $22,400 Building $153,500	$175,900 Land $22,400 Building $153,500

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

Flood

FEMA maps place 1129 103rd Ave W 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 1129 103rd 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 283 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

May also be available: Airfiber.

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