St. Louis County property record for 1326 98th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,578 sqft · built 1913 |
| Lot Size | 0.284 acres (12,382 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Feb 2016) |
| Tax Bill | $2,526 (2026) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1800-06900 |
| Primary APN | 010-1800-06900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,578 sqft Gross Area |
| 1st Floor Area | 956 sqft |
| Basement Area | 239 sqft |
| Finished Basement | 239 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 12,382 sqft (0.284 acres) |
| Garage Area | 720 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 240 sqft |
| Storage Building | 240 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1004650 |
|---|---|
| Street Address | 1326 98TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-1705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 8 THRU 11 SERIAL # |
| Legal Subdivision | GARY FIRST DIV DULUTH |
| Legal Block | 29 |
| Legal Lot Number | 8-11 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 3800 |
1326 98th Ave W is owned and occupied by an individual who bought it in February 2016.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1326 98TH AVE W, DULUTH, MN 55808-1705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP |
| Sep 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Apr 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 24, 2016 · Amount on File |
| Deed Sale | Feb 24, 2016 · Amount on File |
| Deed Document Number | 2016968111 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1326 98TH AVE W, DULUTH, MN 55808-1705 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001050001 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 1050001 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55441 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1326 98TH AVE W, DULUTH, MN 55808-1705 |
| Document Number | 00T1015238 |
| Instrument Date | Sep 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1326 98TH AVE W DULUTH MN 558081705, DULUTH, MN 55808-1705 |
| Document Number | 00T1015238 |
|---|---|
| Date | Sep 20, 2019 |
| Instrument | T1015238 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55807 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 19, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1326 98TH AVE W, DULUTH, MN 55808-1705 |
| Document Number | 00T1010688 |
| Instrument Date | Apr 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1326 98TH AVE W DULUTH MN 558081705, DULUTH, MN 55808-1705 |
| Document Number | 00T1010688 |
|---|---|
| Date | May 23, 2019 |
| Instrument | T1010688 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55807 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 22, 2034 |
The 2026 property tax bill for 1326 98th Ave W was $2,526 with a homeowner's exemption, up 14.7% 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 | $2,526.00 (+14.71%) Homeowner's exemption | ||
| 2025 | $2,202.00 (-8.55%) Homeowner's exemption | $205,300 (+10.67%) Land $21,700 Building $183,600 | $205,300 (+10.67%) Land $21,700 Building $183,600 |
| 2024 | $2,408.00 | $185,500 Land $21,400 Building $164,100 | $185,500 Land $21,400 Building $164,100 |
| 2022 | $199,800 Land $26,300 Building $173,500 | $199,800 Land $26,300 Building $173,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1326 98th Ave W in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.
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 | 27 units insured incl. 26 condo units |
| Nearby Flood Claims | 4 (2012) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Wildfire risk around 1326 98th Ave W is low, with 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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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 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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