12901 Water St, Duluth, MN 55808 Property Records

St. Louis County property record for 12901 Water St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.25 ba · 1,308 sqft · built 1950
Lot Size	0.031 acres (1,366 sqft)
Owner	Individual Name on Record
Last Sale	$197,500 (Oct 2020)
Tax Bill	$3,874 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`010-1750-00380`

Property Details

APN / Parcel Number

Primary APN	`010-1750-00380`
Alternative APN	`1097365`

Interior

Bedrooms	2 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,308 sqft Gross Area
1st Floor Area	1,308 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Block
Construction Type	Frame
Roof Type	Gable
Lot Area	1,366 sqft (0.031 acres)
Garage Area	676 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	120 sqft
Deck Area	582 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Propane

Location & Zoning

Account Number	1097365
Street Address	12901 WATER ST
City	DULUTH
State	MN
Zip	55808-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0038 BLOCK:000 INC PARTS OF VAC WATER& WINNEPEG STREETS ADJ SERIAL #
Legal Subdivision	WATER STREET FOND DU LAC
Legal Lot Number	38
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	Individual Name on Record
Mailing Address	12901 WATER ST, DULUTH, MN 55808-2434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Grant Deed, Transfer · Conventional with PMI MEMBERS COOPERATIVE CU
Sep 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Deed Document Number	20201030016
Prior Transfer Date	Sep 30, 2020
Prior Transfer Doc	00T1030016
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 6, 2020
Property Address	12901 WATER ST, DULUTH, MN 55808-2434
Document Number	00T1030016
Instrument Date	Sep 30, 2020
Instrument	T1030016
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$652.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12901 WATER ST DULUTH MN 558082434, DULUTH, MN 55808-2434

Mortgage

Document Number	T1030017
Date	Oct 6, 2020
Instrument	T1030017

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 27, 2019
Property Address	12901 WATER ST, DULUTH, MN 55808-2434
Document Number	00T1015545
Instrument Date	Sep 5, 2019
Instrument	T1015545
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9202 ZIMMERLY AVE #304 DULUTH MN 558082612, 304, DULUTH, MN 55808-2612

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	$3,874.00 (+13.27%) Homeowner's exemption
2025	$3,420.00 (-3.88%) Homeowner's exemption	$293,200 (+10.18%) Land $47,400 Building $245,800	$293,200 (+10.18%) Land $47,400 Building $245,800
2024	$3,558.00	$266,100 (+32.85%) Land $46,600 Building $219,500	$266,100 (+32.85%) Land $46,600 Building $219,500
2022		$200,300 Land $56,800 Building $143,500	$200,300 Land $56,800 Building $143,500

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	Yes
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 95% of the US · lower than 84% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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