231 E Owatonna St, Duluth, MN 55803 Property Records

St. Louis County property record for 231 E Owatonna St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,704 sqft · built 1912
Lot Size	0.38 acres (16,578 sqft)
Owner	Individual Name on Record
Last Sale	$194,000 (Aug 2005)
Tax Bill	$4,886 (2026)
Deeds & Mortgages	Apr 2024 Transfer Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4700-00140`

Property Details

APN / Parcel Number

Primary APN	`010-4700-00140`
Alternative APN	`788367`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,704 sqft Gross Area
1st Floor Area	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1952
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	16,578 sqft (0.38 acres)
Garage Area	720 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	126 sqft
Deck Area	210 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	788367
Street Address	231 E OWATONNA ST
City	DULUTH
State	MN
Zip	55803-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 75 FT OF E 325 FT SERIAL #
Legal Subdivision	WOODLAND PARK EIGHT DIVISION
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	231 E OWATONNA ST, DULUTH, MN 55803-1827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Transfer on Death Deed, Transfer
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2005 · Amount on Record
Deed Sale	Aug 30, 2005 · Amount on Record
Deed Document Number	2005992302
Last Transfer Date	Apr 13, 2024
Transfer Doc	0001486070
Record Updated	Oct 29, 2026

April 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 15, 2024
Property Address	231 E OWATONNA ST, DULUTH, MN 55803-1827
Document Number	0001486070
Instrument Date	Apr 14, 2024
Instrument	1486070
Transaction Type	Transfer
Record Updated	May 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	231 E OWATONNA ST, DULUTH, MN 55803-1827

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	231 E OWATONNA ST, DULUTH, MN 55803-1827
Document Number	00A1389257
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	231 E OWATONNA ST DULUTH MN 558031827, DULUTH, MN 55803-1827

Mortgage

Document Number	00A1389257
Date	Sep 1, 2020
Instrument	A1389257

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 31, 2035

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	$4,886.00 (+17%) Homeowner's exemption
2025	$4,176.00 (+3.16%) Homeowner's exemption	$391,700 (+22.44%) Land $45,900 Building $345,800	$391,700 (+22.44%) Land $45,900 Building $345,800
2024	$4,048.00	$319,900 (+16.79%) Land $46,500 Building $273,400	$319,900 (+16.79%) Land $46,500 Building $273,400
2022		$273,900 Land $54,000 Building $219,900	$273,900 Land $54,000 Building $219,900

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

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

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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