116 97th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 116 97th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 942 sqft · built 1911
Lot Size	0.08 acres (3,502 sqft)
Owner	Individual Name on File
Last Sale	$121,000 (Feb 2016)
Tax Bill	$1,784 (2026)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4040-02050`

Property Details

APN / Parcel Number

Primary APN	`010-4040-02050`
Alternative APN	`1003462`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	942 sqft Gross Area
1st Floor Area	684 sqft
Basement Area	342 sqft
Finished Basement	342 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,502 sqft (0.08 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	48 sqft
Patio Area	276 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1003462
Street Address	116 97TH AVE W
City	DULUTH
State	MN
Zip	55808-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0008 BLOCK:009 SERIAL #
Legal Subdivision	SMITHS ADD TO NEW DULUTH 1ST D
Legal Block	9
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2033
Census Tract	3800

Owner

116 97th Ave W is owned and occupied by an individual who bought it in February 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	116 97TH AVE W, DULUTH, MN 55808-2109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2016 · Amount on File
Deed Sale	Feb 2, 2016 · Amount on File
Prior Sale	Feb 5, 2009 · Amount on File
Deed Document Number	20161278726
Prior Transfer Date	May 23, 2008
Prior Transfer Doc	0001088128
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	116 97TH AVE W, DULUTH, MN 55808-2109
Document Number	00A1389526
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 97TH AVE W DULUTH MN 558082109, DULUTH, MN 55808-2109

Mortgage

Document Number	00A1389526
Date	Sep 3, 2020
Instrument	A1389526

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 2, 2035

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	$1,784.00 (+16.75%) Homeowner's exemption
2025	$1,528.00 (-7.06%) Homeowner's exemption	$152,900 (+11.36%) Land $8,300 Building $144,600	$152,900 (+11.36%) Land $8,300 Building $144,600
2024	$1,644.00	$137,300 (+17.75%) Land $8,200 Building $129,100	$137,300 (+17.75%) Land $8,200 Building $129,100
2022		$116,600 Land $9,200 Building $107,400	$116,600 Land $9,200 Building $107,400

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

Flood

FEMA maps place 116 97th 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 116 97th 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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

Nearby Properties on 97th Ave W

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures