130 97th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 130 97th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 851 sqft · built 1890
Lot Size	0.16 acres (7,003 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Dec 2018)
Tax Bill	$1,386 (2026)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4040-01990`

Property Details

APN / Parcel Number

Primary APN	`010-4040-01990`
Alternative APN	`1064377`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	851 sqft Gross Area
1st Floor Area	851 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,003 sqft (0.16 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	28 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1064377
Street Address	130 97TH AVE W
City	DULUTH
State	MN
Zip	55808-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 AND 4 SERIAL #
Legal Subdivision	SMITHS ADD TO NEW DULUTH 1ST D
Legal Block	9
Legal Lot Number	3-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2033
Census Tract	3800

Owner

130 97th Ave W is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	130 97TH AVE W, DULUTH, MN 55808-2109
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2018 · Amount on File
Deed Sale	Dec 31, 2018 · Amount on File
Prior Sale	Oct 14, 2004 · Amount on File
Deed Document Number	20181006555
Record Updated	Sep 20, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 31, 2018
Property Address	130 97TH AVE W, DULUTH, MN 55808-2109
Document Number	00T1006555
Instrument Date	Dec 26, 2018
Instrument	T1006555
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 97TH AVE W DULUTH MN 558082109, DULUTH, MN 55808-2109

Mortgage

Document Number	A006556
Date	Dec 31, 2018
Instrument	A006556

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2048

Mortgage

Document Number	T1006557,
Date	Dec 31, 2018
Instrument	T1006557

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 130 97th Ave W was $1,386 with a homeowner's exemption, up 16.5% 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	$1,386.00 (+16.47%) Homeowner's exemption
2025	$1,190.00 (-8.74%) Homeowner's exemption	$129,600 (+10.39%) Land $16,600 Building $113,000	$129,600 (+10.39%) Land $16,600 Building $113,000
2024	$1,304.00	$117,400 Land $16,400 Building $101,000	$117,400 Land $16,400 Building $101,000
2022		$120,700 Land $18,500 Building $102,200	$120,700 Land $18,500 Building $102,200

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

Flood

FEMA maps place 130 97th Ave W in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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	27 units insured incl. 26 condo units
Nearby Flood Claims	4 (2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 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 130 97th Ave W is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 372 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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