120 E Niagara St, Duluth, MN 55811 Property Records

St. Louis County property record for 120 E Niagara St, Duluth, MN 55811 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1.5 Baths
Year Built	Built 1959
Square Footage	1,248 sqft Gross Area
Lot Size	7,674 sqft (0.176 acres)
Occupancy	Owner Occupied
Last Sale	$183,000 (2018)
Tax Bill	$3,654.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`010-2650-00190`
Alternative APN	`1051919`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	4 Rooms
Building Area	1,248 sqft Gross Area
1st Floor	832 sqft 1st Floor
Basement Area	520 sqft Basement
Finished Basement	520 sqft Finished
Stories	1 Stories

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Bungalow Style
Exterior Material	Wood Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Lot Area	7,674 sqft (0.176 acres)
Garage Type	Basement Garage

Exterior Amenities

Pool Type	Spa/Hot Tub (Only) Pool Type
Deck Area	507 sqft Deck
Porch	Open Porch
Porch Area	120 sqft Porch
Sauna	Sauna
Storage Building	80 sqft Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	1051919
Street Address	120 E NIAGARA ST
City	DULUTH
State	MN
Zip	55811-2368
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WEST 59 5/10 FT SERIAL #
Legal Subdivision	KENWOOD ACRES
Legal Block	2
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Minor Civil Division	DULUTH
Census Blockgroup	4
Census Block	4006
Census Tract	400

Owner

Source: St. Louis County records · APN 010-2650-00190

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	Individual Name on File
Mailing Address	120 E NIAGARA ST, DULUTH, MN 55811-2368
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 02, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Apr 01, 2019	Warranty Deed, Transfer · Line of Credit NEIGHBORHOOD NAT'L BK
Jun 04, 2018	Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 04, 2018 · Amount on Record
Deed Sale	Jun 04, 2018 · Amount on Record
Prior Sale	Oct 07, 2011 · Amount on Record
Deed Doc Number	20181333907
Record Refreshed	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	120 E NIAGARA ST, DULUTH, MN 55811-2368
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001409096
Date	Apr 02, 2021
Instrument	1409096

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 01, 2036

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 01, 2019
Property Address	120 E NIAGARA ST, DULUTH, MN 55811-2368
Document Number	00A1352311
Instrument Date	Mar 29, 2019
Instrument	A1352311
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$635.25
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13949 VENTURA BLVD #300 SHERMAN OAKS CA 914233570, 300, SHERMAN OAKS, CA 91423-3570

Mortgage

Document Number	1352312
Date	Apr 01, 2019
Instrument	1352312

Lender

Name	NEIGHBORHOOD NAT'L BK
Type	Bank
Address	ALEXANDRIA, MN 56308

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 31, 2034

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 04, 2018
Property Address	120 E NIAGARA ST, DULUTH, MN 55811-2368
Document Number	00A1333907
Instrument Date	Jun 01, 2018
Instrument	A1333907
Transaction Type	Transfer
Record Updated	Jun 22, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$603.90
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E NIAGARA ST DULUTH MN 558112368, DULUTH, MN 55811-2368

Mortgage

Document Number	A1333908
Date	Jun 04, 2018
Instrument	A1333908

Lender

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

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Jun 03, 2048

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	$3,654.00 (+26.35%)
2025	$2,892.00 (+0.98%) Homeowner's exemption	$270,200 (+16.07%) Land $32,000 Building $238,200	$270,200 (+16.07%) Land $32,000 Building $238,200
2024	$2,864.00	$232,800 (+14.62%) Land $29,600 Building $203,200	$232,800 (+14.62%) Land $29,600 Building $203,200
2022		$203,100 Land $34,900 Building $168,200	$203,100 Land $34,900 Building $168,200

Flood & Wildfire

120 E Niagara St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · St. Louis County (27137C), updated March 24, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

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

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

120 E Niagara St, Duluth, MN 55811 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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Nearby Streets

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