1306 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 1306 N Central Ave, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,452 sqft · built 1918
Lot Size	0.107 acres (4,688 sqft)
Owner	Individual Name on File
Tax Bill	$2,674 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-4520-02790`

Property Details

APN / Parcel Number

Primary APN	`010-4520-02790`
Alternative APNs	`1161196` `519353`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,452 sqft Gross Area
1st Floor Area	836 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1975
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,688 sqft (0.107 acres)
Garage Area	440 sqft
Pool Type	Spa / Hot Tub (No Pool)
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1161196
Street Address	1306 N CENTRAL AVE
City	DULUTH
State	MN
Zip	55807-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 AND N 1/2 LOT 9 SERIAL #
Legal Subdivision	WEST DULUTH 6TH DIV
Legal Block	20
Legal Lot Number	8-9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4014
Census Tract	15800

Owner

Source: St. Louis County assessment roll, 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 File
Mailing Address	512 GRANITE ST, CLOQUET, MN 55720-1234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1306 N CENTRAL AVE, DULUTH, MN 55807-1314
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 GRANITE ST, CLOQUET, MN 55720-1234

Mortgage

Document Number	0001064518
Date	Dec 13, 2022
Instrument	1064518

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 12, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,674.00 (+0.45%) Homeowner's exemption
2025	$2,662.00 (+2.62%) Homeowner's exemption	$234,600 (+8.01%) Land $12,100 Building $222,500	$234,600 (+8.01%) Land $12,100 Building $222,500
2024	$2,594.00	$217,200 (+18.56%) Land $12,900 Building $204,300	$217,200 (+18.56%) Land $12,900 Building $204,300
2022		$183,200 Land $11,900 Building $171,300	$183,200 Land $11,900 Building $171,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
AirFiber Fixed Wireless	100 / 20