St. Louis County property record for 1318 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,162 sqft · built 1923 |
| Lot Size | 0.094 acres (4,125 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,560 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-02710 |
| Primary APN | 010-4520-02710 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,162 sqft Gross Area |
| 1st Floor Area | 700 sqft |
| Basement Area | 154 sqft |
| Finished Basement | 154 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,125 sqft (0.094 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 152 sqft |
| Deck Area | 72 sqft |
| Storage Building | 18 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 524252 |
|---|---|
| Street Address | 1318 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SLY 17 FT OF LOT 2 AND NLY 16 FT OF LOT3 SERIAL # |
| Legal Subdivision | WEST DULUTH 6TH DIV |
| Legal Block | 20 |
| Legal Lot Number | 2-3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 15800 |
1318 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 | 1318 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 12, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 7, 2026 |
| Property Address | 1318 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Document Number | 0001100252 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 20261100252 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1318 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Document Number | 0001100252, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 20261100252 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1318 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001073348 |
|---|---|
| Date | Oct 12, 2023 |
| Instrument | 1073348 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1318 N CENTRAL AVE, DULUTH, MN 55807-1314 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001062794 |
|---|---|
| Date | Oct 25, 2022 |
| Instrument | 1062794 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
The 2026 property tax bill for 1318 N Central Ave was $2,560 with a homeowner's exemption, up 0.4% 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 | $2,560.00 (+0.39%) Homeowner's exemption | ||
| 2025 | $2,550.00 (+2.66%) Homeowner's exemption | $226,400 (+8.02%) Land $10,600 Building $215,800 | $226,400 (+8.02%) Land $10,600 Building $215,800 |
| 2024 | $2,484.00 | $209,600 Land $11,300 Building $198,300 | $209,600 Land $11,300 Building $198,300 |
| 2022 | $187,600 Land $10,400 Building $177,200 | $187,600 Land $10,400 Building $177,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1318 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 1318 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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