St. Louis County property record for 12 W Saint Andrews St, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,300 sqft · built 1926 |
| Lot Size | 0.138 acres (6,010 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $168,030 (Dec 2020) |
| Tax Bill | $3,120 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1840-01170 |
| Primary APN | 010-1840-01170 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,300 sqft Gross Area |
| 1st Floor Area | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 6,010 sqft (0.138 acres) |
| Garage Area | 44 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 40 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 1100903 |
|---|---|
| Street Address | 12 W SAINT ANDREWS ST |
| City | DULUTH |
| State | MN |
| Zip | 55803-2239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PART OF LOT 1 BLK 34 LYING BETWEENTWO LINES DRAWN AT RIGHT ANGLES WITH STANDREW ST AND DISTANT 192 63/100 FT AND243 |
| Legal Subdivision | GLEN AVON 2ND DIV OF DULUTH |
| Legal Block | 34 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 500 |
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 Record |
|---|---|
| Mailing Address | 12 W SAINT ANDREWS ST, DULUTH, MN 55803-2239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE |
| Dec 2, 2020 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2020 · Amount on Record |
| Deed Sale | Dec 2, 2020 · Amount on Record |
| Prior Sale | May 27, 2016 · Amount on Record |
| Deed Document Number | 20201032901 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 12 W SAINT ANDREWS ST, DULUTH, MN 55803-2239 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001048328 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 1048328 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 2, 2020 |
| Property Address | 12 W SAINT ANDREWS ST, DULUTH, MN 55803-2239 |
| Document Number | 00T1032901 |
| Instrument Date | Nov 13, 2020 |
| Instrument | T1032901 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $555.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 W SAINT ANDREWS ST DULUTH MN 558032239, DULUTH, MN 55803-2239 |
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 | $3,120.00 (+4.77%) Homeowner's exemption | ||
| 2025 | $2,978.00 (+1.02%) Homeowner's exemption | $253,900 (+6.37%) Land $41,700 Building $212,200 | $253,900 (+6.37%) Land $41,700 Building $212,200 |
| 2024 | $2,948.00 | $238,700 (+23.61%) Land $38,900 Building $199,800 | $238,700 (+23.61%) Land $38,900 Building $199,800 |
| 2022 | $193,100 Land $26,600 Building $166,500 | $193,100 Land $26,600 Building $166,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 2 (1979–1991) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 1991 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 80% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 420 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 |
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