St. Louis County property record for 1406 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 0.75 ba · 832 sqft · built 1927 |
| Lot Size | 0.107 acres (4,691 sqft) |
| Owner | Individual Name on File |
| Last Sale | $93,000 (Aug 2015) |
| Tax Bill | $2,114 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4030-01540 |
| Primary APN | 010-4030-01540 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 0.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 832 sqft Gross Area |
| 1st Floor Area | 832 sqft |
| Basement Area | 624 sqft |
| Finished Basement | 624 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 4,691 sqft (0.107 acres) |
| Garage Area | 216 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Storage Building | 24 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 993780 |
|---|---|
| Street Address | 1406 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SLY 1/2 OF LOT 8 AND ALL OF LOT 9 SERIAL # |
| Legal Subdivision | SHARPS ADDITION TO DULUTH |
| Legal Block | 10 |
| Legal Lot Number | 8-9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 15800 |
1406 N Central Ave is owned and occupied by an individual who bought it in August 2015.
Source: St. Louis County records, as of October 20, 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 | 1406 N CENTRAL AVE, DULUTH, MN 55807-1316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Oct 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2015 · Amount on File |
| Deed Sale | Aug 10, 2015 · Amount on File |
| Prior Sale | Oct 11, 2003 · Amount on File |
| Deed Document Number | 20151266932 |
| Prior Transfer Date | Sep 11, 2003 |
| Prior Transfer Doc | 0000918458 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1406 N CENTRAL AVE, DULUTH, MN 55807-1316 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001422945 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 1422945 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1406 N CENTRAL AVE, DULUTH, MN 55807-1316 |
| Document Number | 00A1385821 |
| Instrument Date | Jul 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1406 N CENTRAL AVE DULUTH MN 558071316, DULUTH, MN 55807-1316 |
| Document Number | 00A1385821 |
|---|---|
| Date | Jul 23, 2020 |
| Instrument | A1385821 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 22, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1406 N CENTRAL AVE, DULUTH, MN 55807-1316 |
| Document Number | 00A1320216 |
| Instrument Date | Oct 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1406 N CENTRAL AVE DULUTH MN 558071316, DULUTH, MN 55807-1316 |
| Document Number | 00A1320216 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | A1320216 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 17, 2032 |
The 2026 property tax bill for 1406 N Central Ave was $2,114 with a homeowner's exemption, up 0.2% 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 | $2,114.00 (+0.19%) Homeowner's exemption | ||
| 2025 | $2,110.00 (+1.83%) Homeowner's exemption | $194,000 (+7.9%) Land $12,100 Building $181,900 | $194,000 (+7.9%) Land $12,100 Building $181,900 |
| 2024 | $2,072.00 | $179,800 Land $12,800 Building $167,000 | $179,800 Land $12,800 Building $167,000 |
| 2022 | $149,300 Land $11,800 Building $137,500 | $149,300 Land $11,800 Building $137,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1406 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 1406 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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