St. Louis County property record for 1545 Cliff Ave, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.125 acres (5,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Mar 2026) |
| Tax Bill | $210 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2826-00280 |
| Primary APN | 010-2826-00280 |
|---|---|
| Alternative APNs |
|
| Lot Area | 5,485 sqft (0.125 acres) |
|---|
| Heating Fuel | Gas |
|---|
| Account Number | 1161457 |
|---|---|
| Street Address | 1545 CLIFF AVE |
| City | DULUTH |
| State | MN |
| Zip | 55811-2724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EX ELY 46 FT SERIAL # |
| Legal Subdivision | LEPAKS SECOND ADD DULUTH |
| Legal Block | 1 |
| Legal Lot Number | 28 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 900 |
Source: St. Louis County records · APN 010-2826-00280
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1545 CLIFF AVE, DULUTH, MN 55811-2724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 20, 2026 | Intrafamily Transfer, Transfer · Conventional Mortgage NORTH SHORE FCU |
| Mar 20, 2026 | Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM |
| Aug 08, 2024 | Assignment of Deed, Transfer |
| Jan 23, 2024 | Contract Sale, Transfer · Land Contract NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 20, 2026 · Amount on Record |
| Deed Sale | Mar 20, 2026 · Amount on Record |
| Deed Document Number | 20261099784 |
| Prior Transfer Date | Feb 26, 2026 |
| Prior Transfer Doc | 0001099783 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 20, 2026 |
| Property Address | DULUTH, MN 55811 |
| Document Number | 0001099783 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 1099783 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | THE TITLE TEAM |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0001099785 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 1099785 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 27, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Feb 27, 2031 |
| Change Frequency | 5 Years |
| Min Rate At Change | 6.25% |
| Max Rate At Change | 8.25% |
| Index | Other |
| Max Rate | 12.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 20, 2026 |
| Property Address | DULUTH, MN 55811 |
| Document Number | 0001099784 |
| Instrument Date | Feb 24, 2026 |
| Instrument | 1099784 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1545 CLIFF AVE, DULUTH, MN 55811-2724 |
| Document Type | Assignment of Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 08, 2024 |
| Property Address | DULUTH, MN 55811 |
| Document Number | 0001081873 |
| Instrument Date | Jul 24, 2024 |
| Instrument | 1081873 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14249 ALBANY AVE, ROSEMOUNT, MN 55068-2260 |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 23, 2024 |
| Property Address | DULUTH, MN 55811 |
| Document Number | 0001076379 |
| Instrument Date | Jan 18, 2024 |
| Instrument | 1076379 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1545 CLIFF AVE, DULUTH, MN 55811-2724 |
| Date | Jan 23, 2024 |
|---|
| Name | NOT AVAILABLE |
|---|
| Type | Land Contract |
|---|---|
| Amount | Amount Recorded |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $210.00 (+9.38%) Homeowner's exemption | ||
| 2025 | $192.00 (-3.03%) Homeowner's exemption | $13,300 (-5.67%) Land $13,300 | $13,300 (-5.67%) Land $13,300 |
| 2024 | $14,100 (+6.82%) Land $14,100 | $14,100 (+6.82%) Land $14,100 | |
| 2023 | $198.00 Homeowner's exemption | ||
| 2022 | $13,200 Land $13,200 | $13,200 Land $13,200 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370009002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes |
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 108 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MN1690011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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