St. Louis County property record for 1312 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.75 ba · 1,419 sqft · built 1919 |
| Lot Size | 0.071 acres (3,125 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,384 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jan 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-02740 |
| Primary APN | 010-4520-02740 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,419 sqft Gross Area |
| 1st Floor Area | 924 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 3,125 sqft (0.071 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 140 sqft |
| Deck Area | 81 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 85536 |
|---|---|
| Street Address | 1312 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0004 BLOCK:020 SERIAL # |
| Legal Subdivision | WEST DULUTH 6TH DIV |
| Legal Block | 20 |
| Legal Lot Number | 4 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 15800 |
1312 N Central Ave is owned and occupied by an individual.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1312 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · Line of Credit US BANK |
| Jan 24, 2024 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Apr 19, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 31, 2026 |
| Property Address | 1312 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Document Number | 0001104260 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 20261104260 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1312 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Document Number | 0001104260, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 20261104260 |
| Name | US BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 21, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1312 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1312 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Document Number | 0001076434 |
|---|---|
| Date | Jan 24, 2024 |
| Instrument | 1076434 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1312 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Document Number | 000T984871 |
| Instrument Date | Apr 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1312 N CENTRAL AVE DULUTH MN 558071314, DULUTH, MN 55807-1314 |
| Document Number | 000T984871 |
|---|---|
| Date | May 15, 2017 |
| Instrument | T984871 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 14, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 1312 N Central Ave was $2,384 with a homeowner's exemption, up 2.2% from the year before.
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 | $2,384.00 (+2.23%) Homeowner's exemption | ||
| 2025 | $2,332.00 (+2.37%) Homeowner's exemption | $213,600 (+9.76%) Land $8,100 Building $205,500 | $213,600 (+9.76%) Land $8,100 Building $205,500 |
| 2024 | $2,278.00 | $194,600 Land $8,600 Building $186,000 | $194,600 Land $8,600 Building $186,000 |
| 2022 | $177,100 Land $7,900 Building $169,200 | $177,100 Land $7,900 Building $169,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1312 N Central Ave in Zone X, an area of minimal flood risk.
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 risk around 1312 N Central Ave 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 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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