St. Louis County property record for 1309 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,248 sqft · built 1923 |
| Lot Size | 0.107 acres (4,693 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Apr 2022) |
| Tax Bill | $2,584 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-02360 |
| Primary APN | 010-4520-02360 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Gross Area |
| 1st Floor Area | 624 sqft |
| Basement Area | 100 sqft |
| Finished Basement | 100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 4,693 sqft (0.107 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 113 sqft |
| Deck Area | 14 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1128271 |
|---|---|
| Street Address | 1309 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SLY 1/2 OF LOT 6 AND ALL OF LOT 7 SERIAL # |
| Legal Subdivision | WEST DULUTH SIXTH DIVISION |
| Legal Block | 18 |
| Legal Lot Number | 6-7 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 3000 |
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 | 1309 N CENTRAL AVE, DULUTH, MN 55807-1309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Jun 3, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 5, 2022 · Amount on Record |
| Deed Sale | Apr 5, 2022 · Amount on Record |
| Prior Sale | Aug 28, 2008 · Amount on Record |
| Deed Document Number | 20221440436 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 5, 2022 |
| Property Address | 1309 N CENTRAL AVE, DULUTH, MN 55807-1309 |
| Document Number | 0001440436 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 1440436 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1309 N CENTRAL AVE, DULUTH, MN 55807-1309 |
| Document Number | 0001440437 |
|---|---|
| Date | Apr 5, 2022 |
| Instrument | 1440437 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1309 N CENTRAL AVE, DULUTH, MN 55807-1309 |
| Document Number | 00A1387361 |
| Instrument Date | Jun 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1309 N CENTRAL AVE DULUTH MN 558071309, DULUTH, MN 55807-1309 |
| Document Number | 00A1387361 |
|---|---|
| Date | Aug 7, 2020 |
| Instrument | A1387361 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 6, 2040 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,584.00 (+12.54%) Homeowner's exemption | ||
| 2025 | $2,296.00 (-4.33%) Homeowner's exemption | $219,400 (+14.03%) Land $12,100 Building $207,300 | $219,400 (+14.03%) Land $12,100 Building $207,300 |
| 2024 | $2,400.00 | $192,400 (+5.83%) Land $12,900 Building $179,500 | $192,400 (+5.83%) Land $12,900 Building $179,500 |
| 2022 | $181,800 Land $11,900 Building $169,900 | $181,800 Land $11,900 Building $169,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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