12 N Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 12 N Lake Ave, Duluth, MN 55802 · Last verified August 2026

Property Summary

Property Type	Apartments (5+ Units)
Details	12,760 sqft · built 1890
Lot Size	0.091 acres (4,000 sqft)
Owner	Company Name on File
Last Sale	$695,000 (Aug 2021)
Tax Bill	$16,896 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2021 Sale & Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-0910-00020`

Property Details

APN / Parcel Number

Primary APN	`010-0910-00020`
Alternative APNs	`1115819` `1161035`

Interior

Units	21 Units
Stories	4 Stories
Building Area	12,760 sqft Gross Area
1st Floor Area	3,200 sqft
Basement Area	3,200 sqft

Interior Amenities

Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2002
Exterior Material	Brick
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	1161035
Street Address	12 N LAKE AVE
City	DULUTH
State	MN
Zip	55802-2011
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	NLY 40 FT AND E1/2 OF S 100 FT OF LOT 1EX SLY 99 FT & ALL OF LOT 3 EX SLY 99 FT SERIAL #
Legal Subdivision	DULUTH PROPER FIRST DIVISION
Legal Lot Number	3,1E
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3006
Census Tract	1900

Owner

Source: St. Louis County records · APN 010-0910-00020

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 16334, DULUTH, MN 55816-0334
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Commercial Mortgage NATIONAL BANK OF COMMERCE
Aug 27, 2021	Warranty Deed, Construction Loan · Construction Mortgage FARMERS STATE BANK
Dec 16, 2019	Loan Modification, Mortgage COMMERCIAL PARTNERS TITLE
Nov 15, 2019	Grant Deed, Mortgage · Line of Credit BREMER BK NAT'L ASSN
May 25, 2017	Grant Deed, Transfer · Line of Credit NATIONAL BK/COMMERCE
May 25, 2017	Quit Claim Deed, Transfer CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 27, 2021 · Amount on Record
Deed Sale	Aug 27, 2021 · Amount on Record
Prior Sale	May 21, 2014 · Amount on Record
Deed Document Number	20211423032
Prior Transfer Date	May 12, 2017
Prior Transfer Doc	00A1310006
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	12 N LAKE AVE, DULUTH, MN 55802-2011
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1507 N 1ST ST, SUPERIOR, WI 54880-1146

Mortgage

Document Number	0001406555
Date	Mar 11, 2021
Instrument	1406555

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 27, 2021
Property Address	12 N LAKE AVE, DULUTH, MN 55802-2011
Document Number	0001423032
Instrument Date	Aug 19, 2021
Instrument	1423032
Transaction Type	Construction Loan
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,293.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 N LAKE AVE # 100, 100, DULUTH, MN 55802-2011

Mortgage

Document Number	0001423033
Date	Aug 27, 2021
Instrument	1423033

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2051

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	12 N LAKE AVE, DULUTH, MN 55802-2011
Document Number	00A1369932
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	COMMERCIAL PARTNERS TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12 N LAKE AVE DULUTH MN 558022025, DULUTH, MN 55802-2025

November 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 15, 2019
Property Address	12 N LAKE AVE, DULUTH, MN 55802-2011
Instrument Date	Nov 13, 2019
Instrument	A1367605
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	COMMERCIAL PARTNERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 CHESHIRE LN #120 MINNETONKA MN 553051009, 120, MINNETONKA, MN 55305-1009

Mortgage

Document Number	00A1367605
Date	Nov 15, 2019
Instrument	A1367605

Lender

Name	BREMER BK NAT'L ASSN
Address	225 S 6TH ST # 200, MINNEAPOLIS, MN 55402-4647

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Nov 14, 2026

Interest

Rate Type	Adjustable Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 25, 2017
Property Address	12 N LAKE AVE, DULUTH, MN 55802-2011
Document Number	00A1310008
Instrument Date	May 19, 2017
Instrument	A1310008
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$825.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12015 BECKS RD DULUTH MN 558081831, DULUTH, MN 55808-1831

Mortgage

Document Number	A1310009
Date	May 25, 2017
Instrument	A1310009

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	A1310010,
Date	May 25, 2017
Instrument	A1310010

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 25, 2017
Property Address	12 N LAKE AVE, DULUTH, MN 55802-2011
Document Number	00A1310006
Instrument Date	May 12, 2017
Instrument	A1310006
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12015 BECKS RD DULUTH MN 558081831, DULUTH, MN 55808-1831

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$16,896.00 (+8.75%)
2025	$15,536.00 (-2.03%)	$981,500 (+5.53%) Land $131,600 Building $849,900	$981,500 (+5.53%) Land $131,600 Building $849,900
2024	$15,858.00	$930,100 (+64.94%) Land $124,700 Building $805,400	$930,100 (+64.94%) Land $124,700 Building $805,400
2022		$563,900 Land $122,300 Building $441,600	$563,900 Land $122,300 Building $441,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Duluth Commercial Historic District (additional Documentation) listed 2006 · 86 contributing resources · NRIS 06000455

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 207 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Spectrum, Consolidated Communications, Lumen Technologies, AirFiber. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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