St. Louis County property record for 114 W Gary St, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,634 sqft · built 1954 |
| Lot Size | 0.134 acres (5,870 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Jan 2022) |
| Tax Bill | $4,468 (2026) |
| Deeds & Mortgages | Dec 2023 Mortgage Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1800-09400 |
| Primary APN | 010-1800-09400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,634 sqft Gross Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 786 sqft |
| Finished Basement | 786 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 5,870 sqft (0.134 acres) |
| Garage Area | 720 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1124947 |
|---|---|
| Street Address | 114 W GARY ST |
| City | DULUTH |
| State | MN |
| Zip | 55808-1737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 12 AND 13 SERIAL # |
| Legal Subdivision | GARY FIRST DIV DULUTH |
| Legal Block | 37 |
| Legal Lot Number | 12-13 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 3800 |
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 W GARY ST, DULUTH, MN 55808-1737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL CU |
| Jan 24, 2022 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2022 · Amount on Record |
| Deed Sale | Jan 24, 2022 · Amount on Record |
| Prior Sale | Jan 18, 2022 · Amount on Record |
| Deed Document Number | 20221052520 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 114 W GARY ST, DULUTH, MN 55808-1737 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 114 W GARY ST, DULUTH, MN 55808-1737 |
| Document Number | 0001075319 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 1075319 |
| Name | TRUSTONE FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55447 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 26, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.54% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 6.54% |
| Max Rate At Change | 10.5% |
| Index | 1-Year T-Bill |
| Max Rate | 14.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 24, 2022 |
| Property Address | 114 W GARY ST, DULUTH, MN 55808-1737 |
| Document Number | 0001052520 |
| Instrument Date | Jan 18, 2022 |
| Instrument | 1052520 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2022 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $759.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 114W GARY STREET, DULUTH, MN 55808-1737 |
| Document Number | 0001052521 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 1052521 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,468.00 (+13.17%) | ||
| 2025 | $3,948.00 (-0.85%) | $320,200 (+11.45%) Land $13,800 Building $306,400 | $320,200 (+11.45%) Land $13,800 Building $306,400 |
| 2024 | $3,982.00 | $287,300 (-5.12%) Land $13,500 Building $273,800 | $287,300 (-5.12%) Land $13,500 Building $273,800 |
| 2022 | $302,800 Land $16,700 Building $286,100 | $302,800 Land $16,700 Building $286,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 316 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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