12904 W 1st St, Duluth, MN 55808 Property Records

St. Louis County property record for 12904 W 1st St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,296 sqft · built 1967
Lot Size	0.33 acres (14,416 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Jan 2021)
Tax Bill	$4,992 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Apr 2018 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`010-1590-00380`

Property Details

APN / Parcel Number

Primary APN	`010-1590-00380`
Alternative APN	`1103073`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Gross Area
1st Floor Area	1,296 sqft
Basement Area	936 sqft
Finished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Lot Area	14,416 sqft (0.33 acres)
Garage Area	672 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	280 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1103073
Street Address	12904 W 1ST ST
City	DULUTH
State	MN
Zip	55808-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 117 AND 119 INC PART OF VACATED 129THAVENUE WEST ADJ LOT 119 SERIAL #
Legal Subdivision	FIRST STREET
Legal Lot Number	117,119
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3028
Census Tract	3800

Owner

12904 W 1st St is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	12904 W 1ST ST, DULUTH, MN 55808-2201
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK
Apr 3, 2018	Warranty Deed, Transfer ARROWHEAD TITLE COMPANY
Apr 3, 2018	Quit Claim Deed, Transfer ARROWHEAD TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2021 · Amount on File
Deed Sale	Jan 7, 2021 · Amount on File
Prior Sale	Apr 3, 2018 · Amount on File
Deed Document Number	20211034894
Prior Transfer Date	Feb 26, 2018
Prior Transfer Doc	0000996540
Record Updated	Sep 20, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 7, 2021
Property Address	12904 W 1ST ST, DULUTH, MN 55808-2201
Document Number	00T1034894
Instrument Date	Dec 30, 2020
Instrument	T1034894
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12904 W 1ST ST DULUTH MN 558082201, DULUTH, MN 55808-2201

Mortgage

Document Number	T1034895
Date	Jan 7, 2021
Instrument	T1034895

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 3, 2018
Property Address	12904 W 1ST ST, DULUTH, MN 55808-2201
Document Number	000T996539
Instrument Date	Mar 2, 2018
Instrument	T996539
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	ARROWHEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$792.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	12904 W 1ST ST DULUTH MN 558082201, DULUTH, MN 55808-2201

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 3, 2018
Property Address	12904 W 1ST ST, DULUTH, MN 55808-2201
Document Number	000T996540
Instrument Date	Feb 26, 2018
Instrument	T996540
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	ARROWHEAD TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12904 W 1ST ST DULUTH MN 558082201, DULUTH, MN 55808-2201

Tax Assessment & Valuation

The 2026 property tax bill for 12904 W 1st St was $4,992 with a homeowner's exemption, up 14% from the year before.

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	$4,992.00 (+14.02%) Homeowner's exemption
2025	$4,378.00 (-3.27%) Homeowner's exemption	$368,400 (+11.06%) Land $30,500 Building $337,900	$368,400 (+11.06%) Land $30,500 Building $337,900
2024	$4,526.00	$331,700 Land $30,000 Building $301,700	$331,700 Land $30,000 Building $301,700
2022		$245,100 Land $42,200 Building $202,900	$245,100 Land $42,200 Building $202,900

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

Flood

FEMA maps place 12904 W 1st St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 12904 W 1st St 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 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

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

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