231 101st Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 231 101st Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,188 sqft · built 1921
Lot Size	0.08 acres (3,504 sqft)
Owner	Individual Name on File
Tax Bill	$2,756 (2026)
Deeds & Mortgages	Sep 2020 Loan Modification Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3430-03200`

Property Details

APN / Parcel Number

Primary APN	`010-3430-03200`
Alternative APNs	`1053708` `1177814` `746037`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,188 sqft Gross Area
1st Floor Area	594 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1985
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Lot Area	3,504 sqft (0.08 acres)
Garage Area	308 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	40 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1177814
Street Address	231 101ST AVE W
City	DULUTH
State	MN
Zip	55808-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0001 BLOCK:010 SERIAL #
Legal Subdivision	NEW DULUTH FIRST DIVISION
Legal Block	10
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	3800

Owner

231 101st Ave W is owned and occupied by an individual who acquired it in January 2025.

Source: St. Louis County records, as of August 31, 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	231 101ST AVE W, DULUTH, MN 55808-2122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Loan Modification, Mortgage · Conventional Mortgage MERCHANTS BK
Jul 5, 2018	Warranty Deed, Transfer · Conventional with PMI PARK ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2025
Deed Sale	Jan 9, 2025
Prior Sale	Jul 12, 2023 · Amount on File
Deed Document Number	20251503043
Prior Transfer Date	Dec 7, 2007
Prior Transfer Doc	0001072589
Record Updated	Oct 29, 2026

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	231 101ST AVE W, DULUTH, MN 55808-2122
Document Number	00A1396622
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	231 101ST AVE W DULUTH MN 558082122, DULUTH, MN 55808-2122

Mortgage

Document Number	00A1396622
Date	Nov 23, 2020
Instrument	A1396622

Lender

Name	MERCHANTS BK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Nov 22, 2060

Interest

Rate	5.02%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 5, 2018
Property Address	231 101ST AVE W, DULUTH, MN 55808-2122
Document Number	00A1335887
Instrument Date	Jun 29, 2018
Instrument	A1335887
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	231 101ST AVE W DULUTH MN 558082122, DULUTH, MN 55808-2122

Mortgage

Document Number	A1335888
Date	Jul 5, 2018
Instrument	A1335888

Lender

Name	PARK ST BK
Type	Bank
Address	DULUTH, MN 55806

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 231 101st Ave W was $2,756, up 79.7% 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	$2,756.00 (+79.66%)
2025	$1,534.00 (-30.15%) Homeowner's exemption	$196,600 (+39.63%) Land $8,300 Building $188,300	$196,600 (+39.63%) Land $8,300 Building $188,300
2024	$2,196.00	$140,800 Land $8,200 Building $132,600	$140,800 Land $8,200 Building $132,600
2022		$155,500 Land $9,200 Building $146,300	$155,500 Land $9,200 Building $146,300

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

Flood

FEMA maps place 231 101st Ave W in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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 Policies	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

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

Wildfire risk around 231 101st 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	Indirect 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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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