St. Louis County property record for 1909 Garden St, Duluth, MN 55812
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,008 sqft · built 1921 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Sep 2007) |
| Tax Bill | $3,674 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2630-01060 |
| Primary APN | 010-2630-01060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Gross Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 516 sqft |
| Finished Basement | 516 sqft |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 5,000 sqft (0.114 acres) |
| Garage Area | 240 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Deck Area | 56 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1153402 |
|---|---|
| Street Address | 1909 GARDEN ST |
| City | DULUTH |
| State | MN |
| Zip | 55812-1145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0022 BLOCK:004 SERIAL # |
| Legal Subdivision | KENT ROAD DIV OF DULUTH |
| Legal Block | 4 |
| Legal Lot Number | 22 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 15700 |
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 | 811 SPANCIL HILL VW, SAINT PAUL, MN 55129-5533 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 4, 2017 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2007 · Amount on Record |
| Deed Sale | Sep 18, 2007 · Amount on Record |
| Deed Document Number | 2007842792 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1909 GARDEN ST, DULUTH, MN 55812-1145 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001052628 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 1052628 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 4, 2017 |
| Property Address | 1909 GARDEN ST, DULUTH, MN 55812-1145 |
| Document Number | 000T983622 |
| Instrument Date | Mar 31, 2017 |
| Instrument | T983622 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $511.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 421 MARSHALL ST DULUTH MN 558031971, DULUTH, MN 55803-1971 |
| Document Number | T983623 |
|---|---|
| Date | Apr 4, 2017 |
| Instrument | T983623 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 3, 2047 |
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 | $3,674.00 (+5.7%) | ||
| 2025 | $3,476.00 (+8.35%) | $271,300 (+7.36%) Land $22,000 Building $249,300 | $271,300 (+7.36%) Land $22,000 Building $249,300 |
| 2024 | $3,208.00 | $252,700 (+17.86%) Land $30,800 Building $221,900 | $252,700 (+17.86%) Land $30,800 Building $221,900 |
| 2022 | $214,400 Land $29,200 Building $185,200 | $214,400 Land $29,200 Building $185,200 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 384 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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