St. Louis County property record for 228 97th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 905 sqft · built 1994 |
| Lot Size | 0.321 acres (13,994 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,286 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4040-01800 |
| Primary APN | 010-4040-01800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 905 sqft Gross Area |
| 1st Floor Area | 905 sqft |
| Basement Area | 708 sqft |
| Finished Basement | 708 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 13,994 sqft (0.321 acres) |
| Garage Area | 672 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 192 sqft |
| Storage Building | 100 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 513486 |
|---|---|
| Street Address | 228 97TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-2111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 THRU 4 SERIAL # |
| Legal Subdivision | SMITHS ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 1-4 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 3800 |
228 97th Ave W is owned and occupied by an individual who acquired it in December 2018.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 228 97TH AVE W, DULUTH, MN 55808-2111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 21, 2018 |
| Transfer Doc | 0001006370 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 228 97th Ave W was $3,286 with a homeowner's exemption, up 14.4% from the year before.
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 | $3,286.00 (+14.42%) Homeowner's exemption | ||
| 2025 | $2,872.00 (-4.2%) Homeowner's exemption | $256,700 (+10.89%) Land $23,200 Building $233,500 | $256,700 (+10.89%) Land $23,200 Building $233,500 |
| 2024 | $2,998.00 | $231,500 Land $22,800 Building $208,700 | $231,500 Land $22,800 Building $208,700 |
| 2022 | $203,200 Land $25,700 Building $177,500 | $203,200 Land $25,700 Building $177,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 228 97th Ave W in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 27 units insured incl. 26 condo units |
| Nearby Flood Claims | 4 (2012) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 228 97th Ave W is low, with 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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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.
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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Airfiber Fixed Wireless | 100 / 20 |
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