230 E Owatonna St, Duluth, MN 55803 Property Records

St. Louis County property record for 230 E Owatonna St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,648 sqft · built 1923
Lot Size	0.503 acres (21,944 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Sep 2003)
Tax Bill	$4,390 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4700-00170`

Property Details

APN / Parcel Number

Primary APN	`010-4700-00170`
Alternative APN	`747868`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,648 sqft Gross Area
1st Floor Area	1,072 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1943
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	21,944 sqft (0.503 acres)
Garage Area	720 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	168 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	747868
Street Address	230 E OWATONNA ST
City	DULUTH
State	MN
Zip	55803-1826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N1/2 OF E 1/2 EX ELY 110 FT AND ELY 10FT OF N1/2 OF W 1/2 SERIAL #
Legal Subdivision	WOODLAND PARK 8TH DIV DULUTH
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1006
Census Tract	100

Owner

230 E Owatonna St is owned and occupied by an individual who bought it in September 2003.

Source: St. Louis County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	230 E OWATONNA ST, DULUTH, MN 55803-1826
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
Jan 20, 2022	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Sep 14, 2021	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
May 19, 2020	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2003 · Amount on File
Deed Sale	Sep 26, 2003 · Amount on File
Deed Document Number	2003761074
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	230 E OWATONNA ST, DULUTH, MN 55803-1826
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 E OWATONNA ST, DULUTH, MN 55803-1826

Mortgage

Document Number	0001052429
Date	Jan 20, 2022
Instrument	1052429

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	230 E OWATONNA ST, DULUTH, MN 55803-1826
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 E OWATONNA ST, DULUTH, MN 55803-1826

Mortgage

Document Number	0001046722
Date	Sep 14, 2021
Instrument	1046722

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	132 Months
Due	Sep 15, 2032

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	230 E OWATONNA ST, DULUTH, MN 55803-1826
Document Number	00T1023876
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	230 E OWATONNA ST DULUTH MN 558031826, DULUTH, MN 55803-1826

Mortgage

Document Number	00T1023876
Date	May 28, 2020
Instrument	T1023876

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 27, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 230 E Owatonna St was $4,390 with a homeowner's exemption, up 16.7% 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	$4,390.00 (+16.69%) Homeowner's exemption
2025	$3,762.00 (-0.11%) Homeowner's exemption	$356,800 (+22.28%) Land $53,600 Building $303,200	$356,800 (+22.28%) Land $53,600 Building $303,200
2024	$3,766.00	$291,800 Land $53,400 Building $238,400	$291,800 Land $53,400 Building $238,400
2022		$256,700 Land $62,000 Building $194,700	$256,700 Land $62,000 Building $194,700

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

Flood

FEMA maps place 230 E Owatonna 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

The area around 230 E Owatonna 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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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