12901 W 1st St, Duluth, MN 55808 Property Records

St. Louis County property record for 12901 W 1st St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 2,182 sqft · built 2000
Lot Size	0.663 acres (28,892 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Apr 2025)
Tax Bill	$5,700 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`010-1590-01310`

Property Details

APN / Parcel Number

Primary APN	`010-1590-01310`
Alternative APNs	`1151181` `529938`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,182 sqft Gross Area
1st Floor Area	1,294 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	28,892 sqft (0.663 acres)
Garage Area	484 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	96 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1151181
Street Address	12901 W 1ST ST
City	DULUTH
State	MN
Zip	55808-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 118 120 122 AND 124 INC PART OF VACATED129TH AVENUE WEST ADJ LOTS 120 AND 122 SERIAL #
Legal Subdivision	FOND DU LAC FIRST STREET DULUT
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3028
Census Tract	3800

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	2 Individual Names on Record
Mailing Address	6744 E COOK LAKE RD, DULUTH, MN 55803-9450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2025 · Amount on Record
Deed Sale	Apr 11, 2025 · Amount on Record
Deed Document Number	20251089137
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	12901 W 1ST ST, DULUTH, MN 55808-2231
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001057147
Date	Jun 1, 2022
Instrument	1057147

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	12901 W 1ST ST, DULUTH, MN 55808-2231
Document Number	000T991983
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 24, 2017
Title Company	ARROWHEAD TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12901 W 1ST ST DULUTH MN 558082231, DULUTH, MN 55808-2231

Mortgage

Document Number	000T991983
Date	Nov 9, 2017
Instrument	T991983

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 8, 2037

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	$5,700.00 (+78.91%) Homeowner's exemption
2025		$409,200 (+62.45%) Land $65,300 Building $343,900	$409,200 (+62.45%) Land $65,300 Building $343,900
2024	$3,186.00	$251,900 (+19.67%) Land $64,200 Building $187,700	$251,900 (+19.67%) Land $64,200 Building $187,700
2022		$210,500 Land $82,800 Building $127,700	$210,500 Land $82,800 Building $127,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

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	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on W 1st St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures