St. Louis County property record for 1544 97th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,001 sqft · built 1917 |
| Lot Size | 0.076 acres (3,343 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Sep 2025) |
| Tax Bill | $1,728 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3540-03300 |
| Primary APN | 010-3540-03300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,001 sqft Gross Area |
| 1st Floor Area | 572 sqft |
| Basement Area | 286 sqft |
| Finished Basement | 286 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 3,343 sqft (0.076 acres) |
| Garage Area | 441 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 119 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1188614 |
|---|---|
| Street Address | 1544 97TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0012 BLOCK:012 SERIAL # |
| Legal Subdivision | NORTONS STEEL PLANT DIV OF DUL |
| Legal Block | 12 |
| Legal Lot Number | 12 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 3800 |
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 | 1544 97TH AVE W, DULUTH, MN 55808-1607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY NEIGHBORHOOD HOUSING SVCS |
| Sep 29, 2025 | Deed, Transfer · FHA Mortgage NORTH SHORE BANK OF COMMERCE |
| Jun 11, 2018 | Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU |
| May 31, 2018 | Quit Claim Deed, Transfer FIRST FINANCIAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on Record |
| Deed Sale | Sep 29, 2025 · Amount on Record |
| Prior Sale | May 31, 2018 · Amount on Record |
| Deed Document Number | 20251519086 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1544 97TH AVE W, DULUTH, MN 55808-1607 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001519089 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 1519089 |
| Name | COMMUNITY NEIGHBORHOOD HOUSING SVCS |
|---|---|
| Type | Government Agency |
| Address | SAINT PAUL, MN 55103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Aug 8, 2030 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 29, 2025 |
| Property Address | 1544 97TH AVE W, DULUTH, MN 55808-1607 |
| Document Number | 0001519086 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 1519086 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $676.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1544 97TH AVE W, DULUTH, MN 55808-1607 |
| Document Number | 0001519087 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 1519087 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Number | 0001519088 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 1519088 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1544 97TH AVE W, DULUTH, MN 55808-1607 |
| Document Number | 00A1335157 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 205 E MCCUEN ST DULUTH MN 558082135, DULUTH, MN 55808-2135 |
| Document Number | 00A1335157 |
|---|---|
| Date | Jun 22, 2018 |
| Instrument | A1335157 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 31, 2018 |
| Property Address | 1544 97TH AVE W, DULUTH, MN 55808-1607 |
| Document Number | 00A1333761 |
| Instrument Date | May 14, 2018 |
| Instrument | A1333761 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2018 |
| Title Company | FIRST FINANCIAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $174.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 205 E MCCUEN ST DULUTH MN 558082135, DULUTH, MN 55808-2135 |
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 | $1,728.00 (+16.76%) Homeowner's exemption | ||
| 2025 | $1,480.00 (-21.53%) Homeowner's exemption | $184,100 (+34.38%) Land $7,800 Building $176,300 | $184,100 (+34.38%) Land $7,800 Building $176,300 |
| 2024 | $1,886.00 | $137,000 (+13.69%) Land $7,600 Building $129,400 | $137,000 (+13.69%) Land $7,600 Building $129,400 |
| 2022 | $120,500 Land $9,400 Building $111,100 | $120,500 Land $9,400 Building $111,100 |
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 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.
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 |
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