St. Louis County property record for 1401 S Lake Ave, Duluth, MN 55802
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,934 sqft · built 1976 |
| Lot Size | 0.268 acres (11,696 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $10,458 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4380-01702 |
| Primary APN | 010-4380-01702 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,934 sqft Gross Area |
| 1st Floor Area | 943 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 11,696 sqft (0.268 acres) |
| Garage Area | 623 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Deck Area | 48 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 895289 |
|---|---|
| Street Address | 1401 S LAKE AVE |
| City | DULUTH |
| State | MN |
| Zip | 55802-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 96 EX SWLY 9 FT OF SELY 9 FT AND LOT 98EX W 5 FT OF NWLY 20 FT AND LOT 100 EX W 5 FT SERIAL # |
| Legal Subdivision | LAKE AVENUE UPPER DULUTH |
| Legal Lot Number | 9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 2200 |
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 | 1401 S LAKE AVE, DULUTH, MN 55802-2413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 2, 2021 | Deed of Trust, Mortgage · VA Mortgage NORTH SHORE BANK OF COMMERCE |
| May 18, 2020 | Deed of Trust, Mortgage · VA Mortgage NORTH SHORE BK/COMMERCE |
| Apr 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SERVION INC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 12, 2010 |
| Transfer Doc | 0000880061 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1401 S LAKE AVE, DULUTH, MN 55802-2413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001038726 |
|---|---|
| Date | Apr 2, 2021 |
| Instrument | 1038726 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1401 S LAKE AVE, DULUTH, MN 55802-2413 |
| Document Number | 00T1023938 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1401 S LAKE AVE DULUTH MN 558022413, DULUTH, MN 55802-2413 |
| Document Number | 00T1023938 |
|---|---|
| Date | Jun 1, 2020 |
| Instrument | T1023938 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1401 S LAKE AVE, DULUTH, MN 55802-2413 |
| Document Number | 000T999129 |
| Instrument Date | Apr 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2018 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1401 S LAKE AVE DULUTH MN 558022413, DULUTH, MN 55802-2413 |
| Document Number | 000T999129 |
|---|---|
| Date | Jun 14, 2018 |
| Instrument | T999129 |
| Name | SERVION INC |
|---|---|
| Address | 500 MAIN ST # 100, NEW BRIGHTON, MN 55112-3269 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 13, 2033 |
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 | $10,458.00 (+0.17%) Homeowner's exemption | ||
| 2025 | $10,440.00 (+16.78%) Homeowner's exemption | $733,700 (+2.63%) Land $306,000 Building $427,700 | $733,700 (+2.63%) Land $306,000 Building $427,700 |
| 2024 | $8,940.00 | $714,900 (+38.36%) Land $439,000 Building $275,900 | $714,900 (+38.36%) Land $439,000 Building $275,900 |
| 2022 | $516,700 Land $212,400 Building $304,300 | $516,700 Land $212,400 Building $304,300 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 5 (1986–2019) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Oct 2019 · river or lake 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 75 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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