146 E Toledo St, Duluth, MN 55811 Property Records

St. Louis County property record for 146 E Toledo St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 950 sqft · built 1953
Lot Size	0.237 acres (10,335 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Dec 2024)
Tax Bill	$3,382 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-2640-02720`

Property Details

APN / Parcel Number

Primary APN	`010-2640-02720`
Alternative APNs	`1176146` `54971`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	950 sqft Gross Area
1st Floor Area	950 sqft
Basement Area	808 sqft
Finished Basement	808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	10,335 sqft (0.237 acres)
Garage Area	414 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	90 sqft
Deck Area	312 sqft
Storage Building	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1176146
Street Address	146 E TOLEDO ST
City	DULUTH
State	MN
Zip	55811-2357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 16 17 AND 18 SERIAL #
Legal Subdivision	KENWOOD PARK ADD TO DULUTH
Legal Block	22
Legal Lot Number	16-17
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4005
Census Tract	400

Owner

Source: St. Louis County records, as of August 20, 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	146 E TOLEDO ST, DULUTH, MN 55811-2357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2024 · Amount on Record
Deed Sale	Dec 11, 2024 · Amount on Record
Deed Document Number	20241085836
Prior Transfer Date	Sep 9, 2024
Prior Transfer Doc	0001084062
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jul 31, 2026
Property Address	146 E TOLEDO ST, DULUTH, MN 55811-2357
Document Number	0001104302
Instrument Date	Jul 23, 2026
Instrument	20261104302
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 E TOLEDO ST, DULUTH, MN 55811-2357

Mortgage

Document Number	0001104302,
Date	Jul 31, 2026
Instrument	20261104302

Lender

Name	HARBOR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 25, 2041

Interest

Rate	5.84%
Max Rate	-1%

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,382.00 (+5.56%) Homeowner's exemption
2025	$3,204.00 (+0.95%) Homeowner's exemption	$278,100 (+9.49%) Land $36,700 Building $241,400	$278,100 (+9.49%) Land $36,700 Building $241,400
2024	$3,174.00	$254,000 (+14.47%) Land $34,000 Building $220,000	$254,000 (+14.47%) Land $34,000 Building $220,000
2022		$221,900 Land $40,000 Building $181,900	$221,900 Land $40,000 Building $181,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1990 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 339 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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