23 W Niagara St, Duluth, MN 55811 Property Records

St. Louis County property record for 23 W Niagara St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1990
Lot Size	0.067 acres (2,948 sqft)
Owner	2 Trust Names on File
Last Sale	$256,500 (Nov 2021)
Tax Bill	$4,622 (2026)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Re-recorded Document + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-3410-07250`

Property Details

APN / Parcel Number

Primary APN	`010-3410-07250`
Alternative APNs	`1027361` `1034649` `1194729`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,344 sqft Gross Area
1st Floor Area	896 sqft
Basement Area	216 sqft
Finished Basement	216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	2,948 sqft (0.067 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	192 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1194729
Street Address	23 W NIAGARA ST
City	DULUTH
State	MN
Zip	55811-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 AND 6, BLOCK 44 SERIAL #
Legal Subdivision	MYERS & WHIPPLES ADDITION TO DULUTH
Legal Block	44
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3004
Census Tract	400

Owner

23 W Niagara St is held in a trust since November 2021.

Source: St. Louis County records, as of August 18, 2026

Owner of Record	2 Trust Names on File
Mailing Address	620 W SKYLINE PKWY, DULUTH, MN 55806-2434
Owner Type	Company
Vesting	Trust, Personal 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
Feb 19, 2026	Intrafamily Transfer, Transfer
Feb 23, 2026	Re-recorded Document
Mar 6, 2023	Deed of Trust, Mortgage · Line of Credit MINNESOTA POWER EMPLOYEES CU
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on File
Deed Sale	Nov 24, 2021 · Amount on File
Prior Sale	Jan 10, 2014 · Amount on File
Deed Document Number	20211430828
Prior Transfer Date	Dec 17, 2008
Prior Transfer Doc	0001106418
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Feb 19, 2026
Property Address	23 W NIAGARA ST, DULUTH, MN 55811-2301
Document Number	0001099147
Instrument Date	Feb 10, 2026
Instrument	1099147
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 W SKYLINE PKWY, DULUTH, MN 55806-2434

February 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ST LOUIS MN
Recording Date	Feb 23, 2026
Property Address	23 W NIAGARA ST, DULUTH, MN 55811-2301
Document Number	0001528482
Instrument Date	Feb 10, 2026
Instrument	1528482
Record Updated	Mar 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 WEST SKYHNE PARKWAY, DULUTH, MN 55806

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	23 W NIAGARA ST, DULUTH, MN 55811-2301
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001066487
Date	Mar 6, 2023
Instrument	1066487

Lender

Name	MINNESOTA POWER EMPLOYEES CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Mar 1, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	23 W NIAGARA ST, DULUTH, MN 55811-2301
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001404496
Date	Feb 19, 2021
Instrument	1404496

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 24, 2021
Property Address	23 W NIAGARA ST, DULUTH, MN 55811-2301
Document Number	0001430828
Instrument Date	Nov 17, 2021
Instrument	1430828
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$846.45
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	35 SNELLING AVE, DULUTH, MN 55812-1159

Mortgage

Document Number	0001430829
Date	Nov 24, 2021
Instrument	1430829

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 23 W Niagara St was $4,622, up 14% 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	$4,622.00 (+13.95%)
2025	$4,056.00 (+5.74%)	$341,700 (+15.75%) Land $25,800 Building $315,900	$341,700 (+15.75%) Land $25,800 Building $315,900
2024	$3,836.00	$295,200 Land $24,000 Building $271,200	$295,200 Land $24,000 Building $271,200
2022		$252,600 Land $28,200 Building $224,400	$252,600 Land $28,200 Building $224,400

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

Flood

FEMA maps place 23 W Niagara St 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	1 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

The area around 23 W Niagara St has no burnable land within ember reach, so its wildfire risk is not rated.

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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