129 Olive St, Duluth, MN 55811 Property Records

St. Louis County property record for 129 Olive St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,040 sqft · built 1966
Lot Size	0.183 acres (7,983 sqft)
Owner	Individual Name on Record
Last Sale	$351,800 (Oct 2025)
Tax Bill	$3,482 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2170-00435`

Property Details

APN / Parcel Number

Primary APN	`010-2170-00435`
Alternative APNs	`1119547` `1189158`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,040 sqft Gross Area
1st Floor Area	1,040 sqft
Basement Area	520 sqft
Finished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	7,983 sqft (0.183 acres)
Garage Area	720 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1189158
Street Address	129 OLIVE ST
City	DULUTH
State	MN
Zip	55811-4605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WLY 79 91/100 FT OF ELY 159 91/100 FT SERIAL #
Legal Subdivision	HIGHLAND GARDENS DULUTH
Legal Block	3
Legal Lot Number	14
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1066
Census Tract	302

Owner

Source: St. Louis County records, as of August 17, 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 Record
Mailing Address	129 OLIVE ST, DULUTH, MN 55811-4605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Warranty Deed, Transfer · Conventional Mortgage HERMANTOWN FCU
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2025 · Amount on Record
Deed Sale	Oct 9, 2025 · Amount on Record
Prior Sale	Oct 22, 2021 · Amount on Record
Deed Document Number	20251095013
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 9, 2025
Property Address	129 OLIVE ST, DULUTH, MN 55811-4605
Document Number	0001095013
Instrument Date	Sep 30, 2025
Instrument	1095013
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.94
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 OLIVE ST, DULUTH, MN 55811-4605

Mortgage

Document Number	0001095014
Date	Oct 9, 2025
Instrument	1095014

Lender

Name	HERMANTOWN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 22, 2021
Property Address	129 OLIVE ST, DULUTH, MN 55811-4605
Document Number	0001048614
Instrument Date	Oct 22, 2021
Instrument	1048614
Transaction Type	Transfer
Record Updated	Jan 6, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	129 OLIVE ST, DULUTH, MN 55811-4605

Mortgage

Document Number	0001048615
Date	Oct 22, 2021
Instrument	1048615

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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	$3,482.00 (+9.84%) Homeowner's exemption
2025	$3,170.00 (-16.8%) Homeowner's exemption	$331,200 (+31.64%) Land $43,100 Building $288,100	$331,200 (+31.64%) Land $43,100 Building $288,100
2024	$3,810.00	$251,600 (+8.03%) Land $35,800 Building $215,800	$251,600 (+8.03%) Land $35,800 Building $215,800
2022		$232,900 Land $34,300 Building $198,600	$232,900 Land $34,300 Building $198,600

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

Flood

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	1 in force

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

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

Wildfire Risk	Not rated no burnable land within 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 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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