23 E Toledo St, Duluth, MN 55811 Property Records

St. Louis County property record for 23 E Toledo St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 925 sqft · built 1953
Lot Size	0.215 acres (9,381 sqft)
Owner	Company Name on Record
Last Sale	$195,000 (Jan 2021)
Tax Bill	$3,374 (2026)
Deeds & Mortgages	Feb 2026 Transfer Jan 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-2640-01150`

Property Details

APN / Parcel Number

Primary APN	`010-2640-01150`
Alternative APNs	`1103443` `1194644`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	925 sqft Gross Area
1st Floor Area	925 sqft
Basement Area	693 sqft
Finished Basement	693 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	9,381 sqft (0.215 acres)
Garage Area	352 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	143 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1194644
Street Address	23 E TOLEDO ST
City	DULUTH
State	MN
Zip	55811-2354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 6 7 AND 8 SERIAL #
Legal Subdivision	KENWOOD PARK ADDITION
Legal Block	10
Legal Lot Number	6-7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4004
Census Tract	400

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	Company Name on Record
Mailing Address	23 E TOLEDO ST, DULUTH, MN 55811-2354
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage CMG FIN'L
Jul 14, 2020	Deed of Trust, Construction Loan · Construction Mortgage FRANDSEN BK&TR
Nov 9, 2018	Loan Modification, Mortgage · Line of Credit FRANDSEN BK&TR
Jan 18, 2018	Loan Modification, Mortgage FRANDSEN BK&TR
Jan 11, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2021 · Amount on Record
Deed Sale	Jan 19, 2021 · Amount on Record
Prior Sale	Dec 14, 2006 · Amount on Record
Deed Document Number	20211035270
Prior Transfer Date	Jan 3, 2018
Prior Transfer Doc	000T994142
Record Updated	Sep 20, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 12, 2026
Property Address	23 E TOLEDO ST, DULUTH, MN 55811-2354
Document Number	0001099043
Instrument Date	Jan 11, 2026
Instrument	1099043
Transaction Type	Transfer
Record Updated	Mar 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20980 CHANNEL DR, EXCELSIOR, MN 55331-8659

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20980 CHANNEL DR, EXCELSIOR, MN 55331-8659

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 19, 2021
Property Address	23 E TOLEDO ST, DULUTH, MN 55811-2354
Document Number	00T1035270
Instrument Date	Jan 6, 2021
Instrument	T1035270
Transaction Type	Transfer
Record Updated	Feb 12, 2021
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 UTAH AVE S GOLDEN VALLEY MN 554261334, GOLDEN VALLEY, MN 55426-1334

Mortgage

Document Number	T1035271
Date	Jan 19, 2021
Instrument	T1035271

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2051

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jul 14, 2020
Property Address	23 E TOLEDO ST, DULUTH, MN 55811-2354
Document Number	00T1025814
Instrument Date	Feb 19, 2020
Instrument	T1025814
Transaction Type	Construction Loan
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1504 16TH ST CLOQUET MN 557203114, CLOQUET, MN 55720-3114

Mortgage

Document Number	00T1025814
Date	Jul 14, 2020
Instrument	T1025814

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 13, 2021

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	23 E TOLEDO ST, DULUTH, MN 55811-2354
Document Number	0001007233
Instrument Date	Nov 9, 2018
Transaction Type	Mortgage
Record Updated	Feb 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 E TOLEDO ST DULUTH MN 558112354, DULUTH, MN 55811-2354

Mortgage

Document Number	0001007233
Date	Jan 24, 2019
Instrument	1007233

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 23, 2024

Interest

Rate Type	Adjustable Rate

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	23 E TOLEDO ST, DULUTH, MN 55811-2354
Document Number	000T995027
Instrument Date	Jan 18, 2018
Transaction Type	Mortgage
Record Updated	Mar 5, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 E TOLEDO ST DULUTH MN 558112354, DULUTH, MN 55811-2354

Mortgage

Document Number	000T995027
Date	Feb 9, 2018
Instrument	T995027

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Term	240 Months
Due	Feb 8, 2038

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 11, 2018
Property Address	23 E TOLEDO ST, DULUTH, MN 55811-2354
Document Number	000T994142
Instrument Date	Jan 3, 2018
Instrument	T994142
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1504 16TH ST CLOQUET MN 557203114, CLOQUET, MN 55720-3114

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	$3,374.00 (+8.91%)
2025	$3,098.00 (+3.13%)	$249,700 (+11.03%) Land $35,000 Building $214,700	$249,700 (+11.03%) Land $35,000 Building $214,700
2024	$3,004.00	$224,900 (+13.87%) Land $32,400 Building $192,500	$224,900 (+13.87%) Land $32,400 Building $192,500
2022		$197,500 Land $38,200 Building $159,300	$197,500 Land $38,200 Building $159,300

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 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1990 · 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	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 339 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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