St. Louis County property record for 1325 104th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.25 ba · 1,080 sqft · built 1916 |
| Lot Size | 0.069 acres (3,004 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $293,551 (May 2026) |
| Tax Bill | $1,674 (2026) |
| Deeds & Mortgages | Dec 2021 Second Mortgage Oct 2025 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1800-04800 |
| Primary APN | 010-1800-04800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Gross Area |
| 1st Floor Area | 768 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 3,004 sqft (0.069 acres) |
| Garage Area | 528 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Deck Area | 144 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1196945 |
|---|---|
| Street Address | 1325 104TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-1726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0014 BLOCK:022 SERIAL # |
| Legal Subdivision | GARY FIRST DIV DULUTH |
| Legal Block | 22 |
| Legal Lot Number | 14 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 3800 |
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 | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU |
| Oct 3, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU |
| Jul 10, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU |
| May 4, 2026 | Warranty Deed, Transfer · FHA Mortgage BEAZER MORTGAGE CORPORATION |
| Nov 18, 2019 | Deed of Trust, Mortgage · Conventional with PMI AFFINITY PLUS FCU |
| Jun 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on Record |
| Deed Sale | May 4, 2026 · Amount on Record |
| Prior Sale | Jun 14, 2018 · Amount on Record |
| Deed Document Number | 20261101133 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001050804 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 1050804 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Nov 20, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Document Number | 0001094852 |
|---|---|
| Date | Oct 3, 2025 |
| Instrument | 1094852 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Sep 20, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001080965 |
|---|---|
| Date | Jul 10, 2024 |
| Instrument | 1080965 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jun 20, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 4, 2026 |
| Property Address | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Document Number | 0001101133 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.1101133 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | BURNETT TITLE, BURNET TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $97,840.72 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Investor | Possibly a Property Investor |
| Document Number | 0001101134, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 2026.1101134 |
| Name | BEAZER MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Document Number | 00T1018182 |
| Instrument Date | Nov 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1325 104TH AVE W DULUTH MN 558081726, DULUTH, MN 55808-1726 |
| Document Number | 00T1018182 |
|---|---|
| Date | Dec 5, 2019 |
| Instrument | T1018182 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 4, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 14, 2018 |
| Property Address | 1325 104TH AVE W, DULUTH, MN 55808-1726 |
| Document Number | 000T999102 |
| Instrument Date | Jun 1, 2018 |
| Instrument | T999102 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1325 104TH AVE W DULUTH MN 558081726, DULUTH, MN 55808-1726 |
| Document Number | T999103 |
|---|---|
| Date | Jun 14, 2018 |
| Instrument | T999103 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 13, 2048 |
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 | $1,674.00 (+17.06%) Homeowner's exemption | ||
| 2025 | $1,430.00 (-7.38%) Homeowner's exemption | $148,900 (+11.37%) Land $7,100 Building $141,800 | $148,900 (+11.37%) Land $7,100 Building $141,800 |
| 2024 | $1,544.00 | $133,700 (+11.98%) Land $7,000 Building $126,700 | $133,700 (+11.98%) Land $7,000 Building $126,700 |
| 2022 | $119,400 Land $8,600 Building $110,800 | $119,400 Land $8,600 Building $110,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 in force |
| Nearby Flood Claims | 2 (2012–2014) |
| Most Recent Claim | Apr 2014 · river or lake flooding |
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.
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.
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 316 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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