St. Louis County property record for 22 Cato Ave, Duluth, MN 55808
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 4 bd · 2 ba · 1,729 sqft · built 1917 |
| Lot Size | 0.138 acres (6,014 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $173,463 (Apr 2022) |
| Tax Bill | $2,884 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3970-01380 |
| Primary APN | 010-3970-01380 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,729 sqft Gross Area |
| 1st Floor Area | 988 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,014 sqft (0.138 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 154 sqft |
| Deck Area | 176 sqft |
| Storage Building | 70 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1128139 |
|---|---|
| Street Address | 22 CATO AVE |
| City | DULUTH |
| State | MN |
| Zip | 55808-1110 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Legal Description | LOT: 0014 BLOCK:012 SERIAL # |
| Legal Subdivision | RIVERSIDE |
| Legal Block | 12 |
| Legal Lot Number | 14 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 3600 |
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 | 209 COLUMBINE CT, FORT COLLINS, CO 80521-1715 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST WESTERN TRUST BANK |
| Jan 23, 2020 | Quit Claim Deed, Transfer NORTH SHORE BK/COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2022 · Amount on Record |
| Deed Sale | Apr 1, 2022 · Amount on Record |
| Prior Sale | Aug 13, 2015 · Amount on Record |
| Deed Document Number | 20221055078 |
| Prior Transfer Date | Jan 22, 2020 |
| Prior Transfer Doc | 00T1019856 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 1, 2022 |
| Property Address | 22 CATO AVE, DULUTH, MN 55808-1110 |
| Document Number | 0001055078 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 1055078 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $572.43 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 209 COLUMBINE CT, FORT COLLINS, CO 80521-1715 |
| Document Number | 0001055079 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 1055079 |
| Name | FIRST WESTERN TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 23, 2020 |
| Property Address | 22 CATO AVE, DULUTH, MN 55808-1110 |
| Document Number | 00T1019856 |
| Instrument Date | Jan 22, 2020 |
| Instrument | T1019856 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 22-24 CATO AVE DULUTH MN 558081110, DULUTH, MN 55808-1110 |
| Document Number | T1019857 |
|---|---|
| Date | Jan 23, 2020 |
| Instrument | T1019857 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 22, 2050 |
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 | $2,884.00 (+0.28%) | ||
| 2025 | $2,876.00 (-2.9%) | $180,500 (+5.93%) Land $13,200 Building $167,300 | $180,500 (+5.93%) Land $13,200 Building $167,300 |
| 2024 | $2,962.00 (+11.69%) | $170,400 (+18.66%) Land $15,500 Building $154,900 | $170,400 (+18.66%) Land $15,500 Building $154,900 |
| 2023 | $2,652.00 | ||
| 2022 | $143,600 (+14.06%) Land $14,700 Building $128,900 | $143,600 (+14.06%) Land $14,700 Building $128,900 | |
| 2021 | $125,900 Land $12,800 Building $113,100 | $125,900 Land $12,800 Building $113,100 |
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 | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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