12907 W 1st St, Duluth, MN 55808 Property Records

St. Louis County property record for 12907 W 1st St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,000 sqft · built 1948
Lot Size	0.22 acres (9,609 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Nov 2023)
Tax Bill	$3,478 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1590-01290`

Property Details

APN / Parcel Number

Primary APN	`010-1590-01290`
Alternative APNs	`1120485` `1157345`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,000 sqft Gross Area
1st Floor Area	1,000 sqft
Basement Area	250 sqft
Finished Basement	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Lot Area	9,609 sqft (0.22 acres)
Garage Area	2,160 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	20 sqft
Storage Building	24 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	1157345
Street Address	12907 W 1ST ST
City	DULUTH
State	MN
Zip	55808-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 114 AND 116 SERIAL #
Legal Subdivision	FOND DU LAC FIRST STREET DULUT
Legal Lot Number	114,116
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	12907 W 1ST ST, DULUTH, MN 55808-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Contract Sale, Transfer · Land Contract NOT AVAILABLE
Nov 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 22, 2017	Warranty Deed, Transfer USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2023 · Amount on Record
Deed Sale	Nov 1, 2023 · Amount on Record
Prior Sale	Jun 22, 2017 · Amount on Record
Deed Document Number	20231074063
Prior Transfer Date	Oct 27, 2021
Prior Transfer Doc	0001049176
Record Updated	Sep 20, 2026

November 2023: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	ST LOUIS MN
Recording Date	Nov 1, 2023
Property Address	12907 W 1ST ST, DULUTH, MN 55808-2231
Document Number	0001074063
Instrument Date	Oct 31, 2023
Instrument	1074063
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12907 W 1ST ST, DULUTH, MN 55808-2231

Mortgage

Date	Nov 1, 2023

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount Recorded

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Nov 8, 2021
Property Address	12907 W 1ST ST, DULUTH, MN 55808-2231
Document Number	0001049176
Instrument Date	Oct 27, 2021
Instrument	1049176
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12907 W 1ST ST, DULUTH, MN 55808-2231

Mortgage

Document Number	0001049177
Date	Nov 8, 2021
Instrument	1049177

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 22, 2017
Property Address	12907 W 1ST ST, DULUTH, MN 55808-2231
Document Number	000T986324
Instrument Date	Jun 12, 2017
Instrument	T986324
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	UNITED LENDER SERVICES CORPORATION, UNITED LENDER SVCS CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12907 W 1ST ST DULUTH MN 558082231, DULUTH, MN 55808-2231

Mortgage

Document Number	T986325
Date	Jun 22, 2017
Instrument	T986325

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0644

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2032

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	$3,478.00 (+14.63%) Homeowner's exemption
2025		$268,800 (+11.17%) Land $19,100 Building $249,700	$268,800 (+11.17%) Land $19,100 Building $249,700
2024	$3,034.00 (+12,036%)	$241,800 (+55.6%) Land $18,800 Building $223,000	$241,800 (+55.6%) Land $18,800 Building $223,000
2022	$25.00	$155,400 Land $15,900 Building $139,500	$155,400 Land $15,900 Building $139,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

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