2207 Karl Ave, Duluth, MN 55811 Property Records

St. Louis County property record for 2207 Karl Ave, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,782 sqft · built 1992
Lot Size	0.357 acres (15,558 sqft)
Owner	Trust Name on File
Last Sale	$340,000 (Aug 2018)
Tax Bill	$4,354 (2026)
Deeds & Mortgages	Dec 2022 Transfer Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-3754-00190`

Property Details

APN / Parcel Number

Primary APN	`010-3754-00190`
Alternative APNs	`1056060` `1142103`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,782 sqft Gross Area
1st Floor Area	1,782 sqft
Basement Area	910 sqft
Finished Basement	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	15,558 sqft (0.357 acres)
Garage Area	660 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	120 sqft
Deck Area	336 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1142103
Street Address	2207 KARL AVE
City	DULUTH
State	MN
Zip	55811-5824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0002 BLOCK:002 SERIAL #
Legal Subdivision	SECOND ADD TO PARKWOOD C OF DU
Legal Block	2
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2006
Census Tract	2300

Owner

2207 Karl Ave is owner-occupied and held in a trust since December 2022.

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

Owner of Record	Trust Name on File
Mailing Address	2207 KARL AVE, DULUTH, MN 55811-5824
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Intrafamily Transfer, Transfer
Jun 1, 2022	Deed of Trust, Mortgage · Line of Credit PROCTOR FEDERAL CU
May 28, 2019	Deed of Trust, Mortgage · Line of Credit US BK
May 28, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Aug 13, 2018	Warranty Deed, Transfer REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2018 · Amount on File
Deed Sale	Aug 13, 2018 · Amount on File
Prior Sale	Jun 10, 2014 · Amount on File
Deed Document Number	20181001438
Last Transfer Date	Dec 13, 2022
Transfer Doc	0001064567
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Dec 16, 2022
Property Address	2207 KARL AVE, DULUTH, MN 55811-5824
Document Number	0001064567
Instrument Date	Dec 13, 2022
Instrument	1064567
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2207 KARL AVE, DULUTH, MN 55811-5824

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2207 KARL AVE, DULUTH, MN 55811-5824

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2207 KARL AVE, DULUTH, MN 55811-5824
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 KARL AVE, DULUTH, MN 55811-5824

Mortgage

Document Number	0001057163
Date	Jun 1, 2022
Instrument	1057163

Lender

Name	PROCTOR FEDERAL CU
Type	Credit Union
Address	DULUTH, MN 55810

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 31, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2207 KARL AVE, DULUTH, MN 55811-5824
Document Number	00T1012943
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2207 KARL AVE DULUTH MN 558115824, DULUTH, MN 55811-5824

Mortgage

Document Number	00T1012943
Date	Jul 29, 2019
Instrument	T1012943

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2207 KARL AVE, DULUTH, MN 55811-5824
Document Number	00T1013707
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2207 KARL AVE DULUTH MN 558115824, DULUTH, MN 55811-5824

Mortgage

Document Number	00T1013707
Date	Aug 14, 2019
Instrument	T1013707

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 13, 2034

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 13, 2018
Property Address	2207 KARL AVE, DULUTH, MN 55811-5824
Document Number	00A1001438
Instrument Date	Aug 10, 2018
Instrument	A1001438
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,122.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2207 KARL AVE DULUTH MN 558115824, DULUTH, MN 55811-5824

Mortgage

Document Number	A1001439
Date	Aug 13, 2018
Instrument	A1001439

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 12, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 2207 Karl Ave was $4,354 with a homeowner's exemption, up 12.9% from the year before.

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	$4,354.00 (+12.86%) Homeowner's exemption
2025	$3,858.00 (-37.04%) Homeowner's exemption	$518,800 (+20.48%) Land $63,300 Building $455,500	$518,800 (+20.48%) Land $63,300 Building $455,500
2024	$6,128.00	$430,600 Land $67,500 Building $363,100	$430,600 Land $67,500 Building $363,100
2022		$405,100 Land $63,300 Building $341,800	$405,100 Land $63,300 Building $341,800

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

Flood

FEMA maps place 2207 Karl Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2207 Karl Ave is low, with less than a 0.01% annual chance of 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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