St. Louis County property record for 20 N 12th Ave E, Duluth, MN 55805
| Property Type | Commercial |
|---|---|
| Details | 5 bd · 3 ba · 4,355 sqft · built 1900 |
| Lot Size | 0.161 acres (7,018 sqft) |
| Owner | Company Name on File |
| Last Sale | $710,000 (Mar 2023) |
| Tax Bill | $17,758 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Line of Credit Jun 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0190-01120 |
| Primary APN | 010-0190-01120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,355 sqft Gross Area |
| 1st Floor Area | 1,742 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 7,018 sqft (0.161 acres) |
| Porch | Slab |
| Porch Area | 350 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1052955 |
|---|---|
| Street Address | 20 N 12TH AVE E |
| City | DULUTH |
| State | MN |
| Zip | 55805-3869 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | S 1/2 OF LOTS 1 AND 2 SERIAL # |
| Legal Subdivision | BANNING & RAYS SUB IN DULUTH |
| Legal Block | 15 |
| Legal Lot Number | 1-2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 1700 |
Source: St. Louis County records · APN 010-0190-01120
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 | Company Name on File |
|---|---|
| Mailing Address | PO BOX 3144, DULUTH, MN 55803-3144 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 20, 2023 | Warranty Deed, Transfer · Line of Credit MINNESOTA POWER EMPLOYEES CU |
| Jun 10, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF NEW GLARUS |
| Aug 03, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF NEW GLARUS |
| Oct 18, 2017 | Trustee's Deed, Construction Loan · Line of Credit BANK OF NEW GLARUS |
| Jul 13, 2017 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 20, 2023 · Amount on Record |
| Deed Sale | Mar 20, 2023 · Amount on Record |
| Prior Sale | Jul 13, 2017 · Amount on Record |
| Deed Document Number | 20231463531 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 20, 2023 |
| Property Address | 20 N 12TH AVE E, DULUTH, MN 55805-3869 |
| Document Number | 0001463531 |
| Instrument Date | Mar 15, 2023 |
| Instrument | 1463531 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,343.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 3144, DULUTH, MN 55803-3144 |
| Investor | Possibly a Property Investor |
| Document Number | 0001463532 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 1463532 |
| Name | MINNESOTA POWER EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 15, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 20 N 12TH AVE E, DULUTH, MN 55805-3869 |
| Document Number | 00A1389281 |
| Instrument Date | Jun 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 N 12TH AVE E DULUTH MN 558052237, DULUTH, MN 55805-2237 |
| Document Number | 00A1389281 |
|---|---|
| Date | Sep 01, 2020 |
| Instrument | A1389281 |
| Name | BANK OF NEW GLARUS |
|---|---|
| Type | Bank |
| Address | NEW GLARUS, WI 53574 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 20 N 12TH AVE E, DULUTH, MN 55805-3869 |
| Document Number | 00A1338620 |
| Instrument Date | Aug 03, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 N 12TH AVE E DULUTH MN 558052237, DULUTH, MN 55805-2237 |
| Document Number | 00A1338620 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | A1338620 |
| Name | BANK OF NEW GLARUS |
|---|---|
| Type | Bank |
| Address | NEW GLARUS, WI 53574 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 18, 2017 |
| Property Address | 20 N 12TH AVE E, DULUTH, MN 55805-3869 |
| Instrument Date | Sep 29, 2017 |
| Instrument | A1320182 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 03, 2017 |
| Title Company | CONSOLIDATED TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 N 12TH AVE E DULUTH MN 558052237, DULUTH, MN 55805-2237 |
| Investor | Possibly a Property Investor |
| Document Number | 00A1320182 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | A1320182 |
| Name | BANK OF NEW GLARUS |
|---|---|
| Type | Bank |
| Address | NEW GLARUS, WI 53574 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 17, 2018 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 13, 2017 |
| Property Address | 20 N 12TH AVE E, DULUTH, MN 55805-3869 |
| Document Number | 00A1313067 |
| Instrument Date | Jul 10, 2017 |
| Instrument | A1313067 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,254.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3256 RYSER DR MOUNT HOREB WI 535721201, MOUNT HOREB, WI 53572-1201 |
| Investor | Possibly a Property Investor |
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 | $17,758.00 (+2.46%) | ||
| 2025 | $17,332.00 (+185.91%) | $603,800 (-) Land $56,600 Building $547,200 | $603,800 (-) Land $56,600 Building $547,200 |
| 2024 | $6,062.00 | $603,800 (+93.77%) Land $56,600 Building $547,200 | $603,800 (+93.77%) Land $56,600 Building $547,200 |
| 2022 | $311,600 Land $57,800 Building $253,800 | $311,600 Land $57,800 Building $253,800 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Consolidated Communications.
Based on FCC filings for 452 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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