220 1st St, Duluth, MN 55810 Property Records

St. Louis County property record for 220 1st St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,260 sqft · built 1945
Lot Size	0.165 acres (7,196 sqft)
Owner	Individual Name on Record
Tax Bill	$2,580 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit May 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`185-0110-00260`

Property Details

APN / Parcel Number

Primary APN	`185-0110-00260`
Alternative APN	`1130148`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,260 sqft Gross Area
1st Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,196 sqft (0.165 acres)
Garage Area	504 sqft

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Deck Area	110 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1130148
Street Address	220 1ST ST
City	DULUTH
State	MN
Zip	55810-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 EX PART TAKEN FOR HWY AND ALL OFLOT 7 SERIAL #
Legal Subdivision	PROCTORKNOTT MAGOEEINS DIVISION
Legal Block	5
Legal Lot Number	6-7
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2014
Census Tract	10100

Owner

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	220 1ST ST, DULUTH, MN 55810-1605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
May 11, 2022	Intrafamily Transfer, Transfer
Apr 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 5, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 11, 2022
Transfer Doc	0001442835
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Oct 2, 2026
Property Address	220 1ST ST, DULUTH, MN 55810-1605
Document Number	0001541591
Instrument Date	Sep 3, 2026
Instrument	20261541591
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 1ST ST, DULUTH, MN 55810-1605

Mortgage

Document Number	0001541591,
Date	Oct 2, 2026
Instrument	20261541591

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 3, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	May 11, 2022
Property Address	220 1ST ST, DULUTH, MN 55810-1605
Document Number	0001442835
Instrument Date	May 11, 2022
Instrument	1442835
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	220 1ST ST, PROCTOR, MN 55810-1605

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 5, 2018
Property Address	220 1ST ST, DULUTH, MN 55810-1605
Document Number	00A1330582
Instrument Date	Apr 2, 2018
Instrument	A1330582
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 1ST ST PROCTOR MN 558101605, PROCTOR, MN 55810-1605

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Apr 5, 2018
Property Address	220 1ST ST, DULUTH, MN 55810-1605
Document Number	00A1330580
Instrument Date	Nov 8, 2017
Instrument	A1330580
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 1ST ST PROCTOR MN 558101605, PROCTOR, MN 55810-1605

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,580.00 (-6.25%) Homeowner's exemption
2025	$2,752.00 (+7.33%) Homeowner's exemption	$205,000 (-6.61%) Land $15,100 Building $189,900	$205,000 (-6.61%) Land $15,100 Building $189,900
2024	$2,564.00	$219,500 (+29.42%) Land $15,400 Building $204,100	$219,500 (+29.42%) Land $15,400 Building $204,100
2022		$169,600 Land $11,600 Building $158,000	$169,600 Land $11,600 Building $158,000

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 · 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 Claims	1 (1979)
Most Recent Claim	May 1979 · 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.

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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Spectrum, T-Mobile.

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