114 1st St, Duluth, MN 55810 Property Records

St. Louis County property record for 114 1st St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,200 sqft · built 1920
Lot Size	0.146 acres (6,390 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Nov 2023)
Tax Bill	$2,190 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0040-00100`

Property Details

APN / Parcel Number

Primary APN	`185-0040-00100`
Alternative APNs	`1157350` `1123778` `870552`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,200 sqft Gross Area
1st Floor Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,390 sqft (0.146 acres)
Garage Area	280 sqft
Deck Area	231 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1157350
Street Address	114 1ST ST
City	DULUTH
State	MN
Zip	55810-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0010 BLOCK:001 SERIAL #
Legal Subdivision	FIRST ADDITION TO PROCTORKNOTT
Legal Block	1
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2013
Census Tract	10100

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	114 1ST ST, DULUTH, MN 55810-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Nov 30, 2022	Warranty Deed, Transfer · Commercial Mortgage SUPERIOR SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2023 · Amount on Record
Deed Sale	Nov 1, 2023 · Amount on Record
Prior Sale	Oct 20, 2023 · Amount on Record
Deed Document Number	20231477347
Prior Transfer Date	Feb 1, 2007
Prior Transfer Doc	0001063376
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 1, 2023
Property Address	114 1ST ST, DULUTH, MN 55810-2301
Document Number	0001477347
Instrument Date	Oct 20, 2023
Instrument	1477347
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$709.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 1ST ST, PROCTOR, MN 55810-2301

Mortgage

Document Number	0001477348
Date	Nov 1, 2023
Instrument	1477348

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Mortgage

Document Number	0001477349
Date	Nov 1, 2023
Instrument	1477349

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75252

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 30, 2022
Property Address	114 1ST ST, DULUTH, MN 55810-2301
Document Number	0001457377
Instrument Date	Nov 22, 2022
Instrument	1457377
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 1ST ST, PROCTOR, MN 55810-2301

Mortgage

Document Number	0001457378
Date	Nov 30, 2022
Instrument	1457378

Lender

Name	SUPERIOR SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2042

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,190.00 (+44.27%) Homeowner's exemption
2025	$1,518.00 (+21.25%) Homeowner's exemption	$179,700 (+30.12%) Land $14,000 Building $165,700	$179,700 (+30.12%) Land $14,000 Building $165,700
2024		$138,100 (+31.65%) Land $14,000 Building $124,100	$138,100 (+31.65%) Land $14,000 Building $124,100
2023	$1,252.00 Homeowner's exemption
2022		$104,900 Land $10,600 Building $94,300	$104,900 Land $10,600 Building $94,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Claims	1 (1979)
Most Recent Claim	May 1979 · rainfall accumulation

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

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

Wildfire Risk	Not rated no burnable land 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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 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

May also be available: Mediacom Xtream, T-Mobile.

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