2228 W 22nd St, Duluth, MN 55811 Property Records

St. Louis County property record for 2228 W 22nd St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1957
Lot Size	0.157 acres (6,856 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Oct 2022)
Tax Bill	$3,988 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0610-02990`

Property Details

APN / Parcel Number

Primary APN	`010-0610-02990`
Alternative APNs	`1061915` `1139064`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,260 sqft Gross Area
1st Floor Area	870 sqft
Basement Area	435 sqft
Finished Basement	435 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	6,856 sqft (0.157 acres)
Garage Area	576 sqft
Pool Type	Spa / Hot Tub (No Pool)
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1139064
Street Address	2228 W 22ND ST
City	DULUTH
State	MN
Zip	55811-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13 AND 14 SERIAL #
Legal Subdivision	COFFIN WARNER JONES ADD TO DUL
Legal Block	15
Legal Lot Number	13-14
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1014
Census Tract	2300

Owner

2228 W 22nd St is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2228 W 22ND ST, DULUTH, MN 55811-3104
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 24, 2022	Warranty Deed, Transfer · VA Mortgage AMERISAVE MORTGAGE CORP
May 18, 2020	Deed of Trust, Mortgage · Conventional with PMI US BK
Nov 16, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2022 · Amount on File
Deed Sale	Oct 24, 2022 · Amount on File
Prior Sale	Nov 16, 2018 · Amount on File
Deed Document Number	20221062776
Prior Transfer Date	Jan 3, 2003
Prior Transfer Doc	0000757120
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 24, 2022
Property Address	2228 W 22ND ST, DULUTH, MN 55811-3104
Document Number	0001062776
Instrument Date	Oct 8, 2022
Instrument	1062776
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$891.00
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	2228 W 22ND ST, DULUTH, MN 55811-3104

Mortgage

Document Number	0001062777
Date	Oct 24, 2022
Instrument	1062777

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2228 W 22ND ST, DULUTH, MN 55811-3104
Document Number	00T1023760
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2228 W 22ND ST DULUTH MN 558113104, DULUTH, MN 55811-3104

Mortgage

Document Number	00T1023760
Date	May 26, 2020
Instrument	T1023760

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 16, 2018
Property Address	2228 W 22ND ST, DULUTH, MN 55811-3104
Document Number	0001005075
Instrument Date	Nov 15, 2018
Instrument	1005075
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6268 HOMESTEAD RD, DULUTH, MN 55804-9621

Mortgage

Document Number	0001005076
Date	Nov 16, 2018
Instrument	1005076

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2228 W 22nd St was $3,988 with a homeowner's exemption, up 8.4% 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	$3,988.00 (+8.37%) Homeowner's exemption
2025	$3,680.00 (+9.33%) Homeowner's exemption	$290,400 (+1.43%) Land $23,600 Building $266,800	$290,400 (+1.43%) Land $23,600 Building $266,800
2024	$3,366.00	$286,300 Land $29,300 Building $257,000	$286,300 Land $29,300 Building $257,000
2022		$232,300 Land $33,400 Building $198,900	$232,300 Land $33,400 Building $198,900

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

Flood

FEMA maps place 2228 W 22nd St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2228 W 22nd St 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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: T-Mobile.

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