2204 Karl Ave, Duluth, MN 55811 Property Records

St. Louis County property record for 2204 Karl Ave, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,146 sqft · built 1992
Lot Size	0.545 acres (23,775 sqft)
Owner	Individual Name on Record
Last Sale	$476,060 (Jun 2022)
Tax Bill	$5,442 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Feb 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-3752-00670`

Property Details

APN / Parcel Number

Primary APN	`010-3752-00670`
Alternative APN	`1131533`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,146 sqft Gross Area
1st Floor Area	1,073 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	23,775 sqft (0.545 acres)
Garage Area	616 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	115 sqft
Deck Area	320 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1131533
Street Address	2204 KARL AVE
City	DULUTH
State	MN
Zip	55811-5810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0002 BLOCK:007 SERIAL #
Legal Subdivision	PARKWOOD CITY OF DULUTH
Legal Block	7
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2007
Census Tract	2300

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	2204 KARL AVE, DULUTH, MN 55811-5810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Warranty Deed, Transfer · Conventional Mortgage THINK MUTUAL BANK
Feb 27, 2020	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE
Oct 30, 2019	Deed of Trust, Mortgage · Conventional with PMI NORTH SHORE BK/COMMERCE
Sep 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Aug 28, 2018	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2022 · Amount on Record
Deed Sale	Jun 9, 2022 · Amount on Record
Prior Sale	Apr 24, 2012 · Amount on Record
Deed Document Number	20221057551
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 9, 2022
Property Address	2204 KARL AVE, DULUTH, MN 55811-5810
Document Number	0001057551
Instrument Date	Jun 1, 2022
Instrument	1057551
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,570.80
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	2204 KARL AVE, DULUTH, MN 55811-5810

Mortgage

Document Number	0001057552
Date	Jun 9, 2022
Instrument	1057552

Lender

Name	THINK MUTUAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2204 KARL AVE, DULUTH, MN 55811-5810
Document Number	00T1021229
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2204 KARL AVE DULUTH MN 558115810, DULUTH, MN 55811-5810

Mortgage

Document Number	00T1021229
Date	Mar 6, 2020
Instrument	T1021229

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 5, 2025

Interest

Rate Type	Adjustable Rate
Rate	5.75%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2204 KARL AVE, DULUTH, MN 55811-5810
Document Number	00T1017124
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2204 KARL AVE DULUTH MN 558115810, DULUTH, MN 55811-5810

Mortgage

Document Number	00T1017124
Date	Nov 6, 2019
Instrument	T1017124

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2204 KARL AVE, DULUTH, MN 55811-5810
Document Number	0001002586
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2204 KARL AVE DULUTH MN 558115810, DULUTH, MN 55811-5810

Mortgage

Document Number	0001002586
Date	Sep 12, 2018
Instrument	1002586

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2204 KARL AVE, DULUTH, MN 55811-5810
Document Number	0001002476
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2204 KARL AVE DULUTH MN 558115810, DULUTH, MN 55811-5810

Mortgage

Document Number	0001002476
Date	Sep 10, 2018
Instrument	1002476

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 9, 2023

Interest

Rate Type	Adjustable Rate
Rate	6%

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	$5,442.00 (+10.21%) Homeowner's exemption
2025	$4,938.00 (-5.94%) Homeowner's exemption	$535,400 (+44.08%) Land $77,200 Building $458,200	$535,400 (+44.08%) Land $77,200 Building $458,200
2024	$5,250.00	$371,600 (+7.74%) Land $82,300 Building $289,300	$371,600 (+7.74%) Land $82,300 Building $289,300
2022		$344,900 Land $77,200 Building $267,700	$344,900 Land $77,200 Building $267,700

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 Policies	2 in force

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	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Airfiber, AT&T, Mediacom Xtream.

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