21 W Winona St, Duluth, MN 55803 Property Records

St. Louis County property record for 21 W Winona St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1951
Lot Size	0.186 acres (8,101 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Aug 2023)
Tax Bill	$3,404 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4660-00030`

Property Details

APN / Parcel Number

Primary APN	`010-4660-00030`
Alternative APNs	`1095744` `1152938`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,260 sqft Gross Area
1st Floor Area	870 sqft
Basement Area	384 sqft
Finished Basement	384 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	8,101 sqft (0.186 acres)
Garage Area	484 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	199 sqft
Deck Area	240 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1152938
Street Address	21 W WINONA ST
City	DULUTH
State	MN
Zip	55803-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0003 BLOCK:001 SERIAL #
Legal Subdivision	WOODLAND PARK 1ST DIV DULUTH
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2006
Census Tract	100

Owner

Source: St. Louis County records, as of October 20, 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	21 W WINONA ST, DULUTH, MN 55803-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Sep 8, 2020	Warranty Deed, Transfer · Conventional with PMI REGENT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2023 · Amount on Record
Deed Sale	Aug 14, 2023 · Amount on Record
Prior Sale	Sep 8, 2020 · Amount on Record
Deed Document Number	20231071142
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 14, 2023
Property Address	21 W WINONA ST, DULUTH, MN 55803-1902
Document Number	0001071142
Instrument Date	Aug 3, 2023
Instrument	1071142
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	21 W WINONA ST, DULUTH, MN 55803-1902

Mortgage

Document Number	0001071143
Date	Aug 14, 2023
Instrument	1071143

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 8, 2020
Property Address	21 W WINONA ST, DULUTH, MN 55803-1902
Document Number	00T1028567
Instrument Date	Aug 28, 2020
Instrument	T1028567
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$586.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 W WINONA ST DULUTH MN 558031902, DULUTH, MN 55803-1902

Mortgage

Document Number	T1028568
Date	Sep 8, 2020
Instrument	T1028568

Lender

Name	REGENT FIN'L
Type	Funding / Finance Company
Address	OMAHA, NE 68124

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2050

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,404.00 (+9.88%) Homeowner's exemption
2025	$3,098.00 (-2.82%) Homeowner's exemption	$284,000 (+15.12%) Land $31,500 Building $252,500	$284,000 (+15.12%) Land $31,500 Building $252,500
2024	$3,188.00 (-4.44%)	$246,700 (+11.33%) Land $33,000 Building $213,700	$246,700 (+11.33%) Land $33,000 Building $213,700
2023	$3,336.00
2022		$221,600 (+20.57%) Land $38,400 Building $183,200	$221,600 (+20.57%) Land $38,400 Building $183,200
2021		$183,800 Land $31,800 Building $152,000	$183,800 Land $31,800 Building $152,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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