St. Louis County property record for 1540 97th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 1,903 sqft · built 1915 |
| Lot Size | 0.275 acres (12,004 sqft) |
| Owner | Individual Name on File |
| Last Sale | $82,000 (Apr 2020) |
| Tax Bill | $3,128 (2026) |
| Deeds & Mortgages | Apr 2020 Sale & Mortgage Jan 2019 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3540-03250 |
| Primary APN | 010-3540-03250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,903 sqft Gross Area |
| 1st Floor Area | 968 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 12,004 sqft (0.275 acres) |
| Garage Area | 816 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 140 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1087796 |
|---|---|
| Street Address | 1540 97TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 7 THRU 10 SERIAL # |
| Legal Subdivision | NORTONS STEEL PLANT DIVISION |
| Legal Block | 12 |
| Legal Lot Number | 7-10 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 3800 |
1540 97th Ave W is owned and occupied by an individual who bought it in April 2020.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1540 97TH AVE W, DULUTH, MN 55808-1607 |
| 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 |
|---|---|
| Apr 8, 2020 | Warranty Deed, Transfer · Conventional with PMI SERVION INC |
| Jan 18, 2019 | Grant Deed, Transfer · Line of Credit FRANDSEN BK&TR |
| Jun 5, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 8, 2020 · Amount on File |
| Deed Sale | Apr 8, 2020 · Amount on File |
| Prior Sale | Jan 18, 2019 · Amount on File |
| Deed Document Number | 20201377164 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 8, 2020 |
| Property Address | 1540 97TH AVE W, DULUTH, MN 55808-1607 |
| Document Number | 00A1377164 |
| Instrument Date | Apr 7, 2020 |
| Instrument | A1377164 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2020 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $271.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1540 97TH AVE W DULUTH MN 558081607, DULUTH, MN 55808-1607 |
| Document Number | A1377165 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | A1377165 |
| Name | SERVION INC |
|---|---|
| Address | NEW BRIGHTON, MN 55112 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 7, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 18, 2019 |
| Property Address | 1540 97TH AVE W, DULUTH, MN 55808-1607 |
| Document Number | 00A1348596 |
| Instrument Date | Jan 3, 2019 |
| Instrument | A1348596 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2019 |
| Title Company | SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $219.45 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2000 LAKEVIEW DR CARLTON MN 557188240, CARLTON, MN 55718-8240 |
| Document Number | A1348597 |
|---|---|
| Date | Jan 18, 2019 |
| Instrument | A1348597 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 17, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 5, 2018 |
| Property Address | 1540 97TH AVE W, DULUTH, MN 55808-1607 |
| Document Number | 00A1333995 |
| Instrument Date | Jun 5, 2018 |
| Instrument | A1333995 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $176.57 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1540 97TH AVE W DULUTH MN 558081607, DULUTH, MN 55808-1607 |
The 2026 property tax bill for 1540 97th Ave W was $3,128 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 | $3,128.00 (+14.66%) Homeowner's exemption | ||
| 2025 | $2,728.00 (-4.48%) Homeowner's exemption | $245,800 (+10.97%) Land $21,400 Building $224,400 | $245,800 (+10.97%) Land $21,400 Building $224,400 |
| 2024 | $2,856.00 | $221,500 Land $21,100 Building $200,400 | $221,500 Land $21,100 Building $200,400 |
| 2022 | $216,400 Land $25,900 Building $190,500 | $216,400 Land $25,900 Building $190,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1540 97th Ave W in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| 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 1540 97th Ave W is low, with a 0.02% 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 | 0.02% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures