St. Louis County property record for 16 E Saint Andrews St, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,368 sqft · built 1941 |
| Lot Size | 0.195 acres (8,508 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Oct 2024) |
| Tax Bill | $3,642 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1840-00865 |
| Primary APN | 010-1840-00865 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,368 sqft Gross Area |
| 1st Floor Area | 949 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 8,508 sqft (0.195 acres) |
| Garage Area | 252 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 30 sqft |
| Deck Area | 42 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1173807 |
|---|---|
| Street Address | 16 E SAINT ANDREWS ST |
| City | DULUTH |
| State | MN |
| Zip | 55803-2237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 68 FT OF E 127 FT OF N 1/2 OF LOT 21AND W 68 FT OF E 127 FT OF LOTS 22 AND23 SERIAL # |
| Legal Subdivision | GLEN AVON 2ND DIV OF DULUTH |
| Legal Block | 15 |
| Legal Lot Number | 2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16 E SAINT ANDREWS ST, DULUTH, MN 55803-2237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BELL BANK |
| May 9, 2018 | Warranty Deed, Transfer · Conventional with PMI AFFINITY PLUS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2024 · Amount on Record |
| Deed Sale | Oct 29, 2024 · Amount on Record |
| Prior Sale | Mar 26, 2021 · Amount on Record |
| Deed Document Number | 20241084464 |
| Prior Transfer Date | Mar 11, 2021 |
| Prior Transfer Doc | 0001038327 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 26, 2021 |
| Property Address | 16 E SAINT ANDREWS ST, DULUTH, MN 55803-2237 |
| Document Number | 0001038327 |
| Instrument Date | Mar 11, 2021 |
| Instrument | 1038327 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 E SAINT ANDREWS ST, DULUTH, MN 55803-2237 |
| Document Number | 0001038328 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 1038328 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 9, 2018 |
| Property Address | 16 E SAINT ANDREWS ST, DULUTH, MN 55803-2237 |
| Document Number | 000T997772 |
| Instrument Date | May 1, 2018 |
| Instrument | T997772 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $646.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 16 E SAINT ANDREWS ST DULUTH MN 558032237, DULUTH, MN 55803-2237 |
| Document Number | T997773 |
|---|---|
| Date | May 9, 2018 |
| Instrument | T997773 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | ST PAUL, MN 55107 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2048 |
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 | $3,642.00 (+4.72%) Homeowner's exemption | ||
| 2025 | $3,478.00 (+1.76%) Homeowner's exemption | $305,900 (+12.22%) Land $53,800 Building $252,100 | $305,900 (+12.22%) Land $53,800 Building $252,100 |
| 2024 | $3,418.00 | $272,600 (+23.91%) Land $50,200 Building $222,400 | $272,600 (+23.91%) Land $50,200 Building $222,400 |
| 2022 | $220,000 Land $34,400 Building $185,600 | $220,000 Land $34,400 Building $185,600 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 2 (1979–1991) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 1991 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 80% 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 420 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 |
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