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1204 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 1204 N Central Ave, Duluth, MN 55807

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.25 ba · 1,461 sqft · built 1910
Lot Size0.108 acres (4,708 sqft)
OwnerIndividual Name on File
Last Sale$3,000 (Aug 2021)
Tax Bill$2,324 (2026)
Deeds & MortgagesDec 2021 Mortgage
Aug 2021 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN010-4520-17230

Property Details

APN / Parcel Number

Primary APN010-4520-17230
Alternative APN
  • 1122675

Interior

Bedrooms3 Beds
Full Baths1.25 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,461 sqft Gross Area
1st Floor Area917 sqft
Basement Area362 sqft
Finished Basement362 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1985
Exterior MaterialMetal
Construction TypeFrame
Roof TypeHip
Lot Area4,708 sqft (0.108 acres)
Garage TypeDetached
Garage Area204 sqft

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchSlab
Porch Area169 sqft
Storage Building100 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelOil

Location & Zoning

Account Number1122675
Street Address1204 N CENTRAL AVE
CityDULUTH
StateMN
Zip55807-1345
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWLY 1/2 OF LOT 8 AND ALL OF LOT 9 INCTHAT PART OF LOTS 7 AND 8 BLK 120 LYINGWITHIN 10 FT OF THE NLY LINE OF LOT 10BLK 120
Legal SubdivisionWEST DULUTH SIXTH DIVISION
Legal Block120
Legal Lot Number7-9,10B
JurisdictionST LOUIS MN
Township / Civil DivisionDULUTH
Census Block Group5
Census Block5001
Census Tract15800

Owner

1204 N Central Ave is owned and occupied by an individual who bought it in August 2021.

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 RecordIndividual Name on File
Mailing Address1204 N CENTRAL AVE, DULUTH, MN 55807-1345
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 28, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONAL BANK OF COMMERCE
Aug 18, 2021Special Warranty Deed, Transfer
TITLE 365, TITLE365
Aug 18, 2021Quit Claim Deed, Foreclosure
TITLE 365, TITLE365
Jan 22, 2021Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 18, 2021 · Amount on File
Deed SaleAug 18, 2021 · Amount on File
Prior SaleOct 21, 2014 · Amount on File
Deed Document Number20211422182
Prior Transfer DateJun 16, 2021
Prior Transfer Doc0001422182
Record UpdatedSep 20, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address1204 N CENTRAL AVE, DULUTH, MN 55807-1345
Transaction TypeMortgage
Record UpdatedAug 15, 2022
Title CompanyNORTH DAKOTA GUARANTY AND TITLE, NORTH DAKOTA GUARANTY & TTL

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001433736
DateDec 28, 2021
Instrument1433736
Lender
NameNATIONAL BANK OF COMMERCE
TypeBank
AddressSUPERIOR, WI 54880
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2052

August 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST LOUIS MN
Recording DateAug 18, 2021
Property Address1204 N CENTRAL AVE, DULUTH, MN 55807-1345
Document Number0001422183
Instrument DateJul 23, 2021
Instrument1422183
Transaction TypeTransfer
Record UpdatedAug 15, 2022
Title CompanyTITLE 365, TITLE365

Transaction

AmountAmount on Record
Tax$397.65
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address701 W 2ND ST APT C30, C30, DULUTH, MN 55806-2498

August 2021: Quit Claim Deed, Foreclosure

Document TypeQuit Claim Deed
JurisdictionST LOUIS MN
Recording DateAug 18, 2021
Property Address1204 N CENTRAL AVE, DULUTH, MN 55807-1345
Document Number0001422182
Instrument DateJun 16, 2021
Instrument1422182
Transaction TypeForeclosure
Record UpdatedAug 15, 2022
Title CompanyTITLE 365, TITLE365

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2000 N CLASSEN BLVD STE 110, 2000, OKLAHOMA CITY, OK 73106-6100

Transferred To (Grantee/Buyer)

NameVerified Name
Address2780 LAKE VISTA DR, LEWISVILLE, TX 75067-3884

January 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST LOUIS MN
Recording DateJan 22, 2021
Property Address1204 N CENTRAL AVE, DULUTH, MN 55807-1345
Document Number00A1401813
Instrument DateOct 24, 2016
InstrumentA1401813
Transaction TypeTransfer
Record UpdatedFeb 10, 2021
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 1204 N Central Ave was $2,324 with a homeowner's exemption, up 0.3% from the year before.

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

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityDuluth City
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,324.00 (+0.26%) Homeowner's exemption
2025$2,318.00 (-3.09%) Homeowner's exemption$209,100 (+7.84%) Land $12,100 Building $197,000$209,100 (+7.84%) Land $12,100 Building $197,000
2024$2,392.00$193,900 Land $13,000 Building $180,900$193,900 Land $13,000 Building $180,900
2022$177,000 Land $11,900 Building $165,100$177,000 Land $11,900 Building $165,100

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

Flood

FEMA maps place 1204 N Central Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 1204 N Central Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 92% of Minnesota
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemDuluth
serves 86,859 people · EPA ID MN1690011
Water SourceSurface water
Last State InspectionFeb 2025
Lead8 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Oct 2017
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 359 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20
Airfiber
Fixed Wireless		100 / 20

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