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231 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 231 N Central Ave, Duluth, MN 55807

Property Summary

Property TypeCommercial
Details4,251 sqft · built 1963
Lot Size0.502 acres (21,890 sqft)
OwnerCompany Name on Record
Last Sale$736,666 (Apr 2022)
Tax Bill$23,194 (2026)
Deeds & MortgagesApr 2022 Sale & Mortgage
Apr 2022 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN010-4470-03040

Property Details

APN / Parcel Number

Primary APN010-4470-03040
Alternative APN
  • 1128570

Interior

Stories1 Story
Building Area4,251 sqft Gross Area
1st Floor Area4,251 sqft
FlooringCeramic Tile
Fire SprinklersFire Sprinklers
ElevatorElevator

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2017
Exterior MaterialConcrete Block
Lot Area21,890 sqft (0.502 acres)
Garage Area12,900 sqft
Canopy1,926 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemFloor/Wall Furnace
Heating FuelGas

Location & Zoning

Account Number1128570
Street Address231 N CENTRAL AVE
CityDULUTH
StateMN
Zip55807-2404
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionLOTS 1 THRU 7 SERIAL #
Legal SubdivisionWEST DULUTH FIRST DIVISION
Legal Block20
Legal Lot Number1-7
JurisdictionST LOUIS MN
Township / Civil DivisionDULUTH
Census Block Group1
Census Block1001
Census Tract3400

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 RecordCompany Name on Record
Mailing Address1331 COMMONWEALTH AVE, DULUTH, MN 55808-1734
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Apr 11, 2022Limited Warranty Deed, Transfer · Commercial Mortgage
NATIONAL BANK OF COMMERCE
Apr 11, 2022Warranty Deed, Transfer
COMMERCIAL PARTNERS TITLE
Jan 7, 2019Warranty Deed, Transfer
FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 11, 2022 · Amount on Record
Deed SaleApr 11, 2022 · Amount on Record
Prior SaleApr 11, 2022 · Amount on Record
Deed Document Number20221055355
Record UpdatedSep 20, 2026

April 2022: Limited Warranty Deed, Transfer

Document TypeLimited Warranty Deed
JurisdictionST LOUIS MN
Recording DateApr 11, 2022
Property Address231 N CENTRAL AVE, DULUTH, MN 55807-2404
Document Number0001055355
Instrument DateApr 1, 2022
Instrument1055355
Transaction TypeTransfer
Record UpdatedMay 18, 2022
Title CompanyCOMMERCIAL PARTNERS TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,431.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1331 COMMONWEALTH AVE, DULUTH, MN 55808-1734

Mortgage

Document Number0001055356
DateApr 11, 2022
Instrument1055356
Lender
NameNATIONAL BANK OF COMMERCE
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateApr 11, 2022
Property Address231 N CENTRAL AVE, DULUTH, MN 55807-2404
Document Number0001055354
Instrument DateFeb 15, 2022
Instrument1055354
Transaction TypeTransfer
Record UpdatedMay 18, 2022
Title CompanyCOMMERCIAL PARTNERS TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateJan 7, 2019
Property Address231 N CENTRAL AVE, DULUTH, MN 55807-2404
Document Number00T1006735
Instrument DateDec 5, 2018
InstrumentT1006735
Transaction TypeTransfer
Record UpdatedJan 21, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

AmountAmount Recorded
Tax$2,832.25
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address302 W 3RD ST CINCINNATI OH 452023437, CINCINNATI, OH 45202-3437
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityDuluth City
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$23,194.00 (+2.43%)
2025$22,644.00 (+6.54%)$802,100 (+3.95%) Land $274,200 Building $527,900$802,100 (+3.95%) Land $274,200 Building $527,900
2024$21,254.00$771,600 (+8.78%) Land $266,000 Building $505,600$771,600 (+8.78%) Land $266,000 Building $505,600
2022$709,300 Land $265,900 Building $443,400$709,300 Land $265,900 Building $443,400

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims4 (1979–2012)
Most Recent ClaimJun 2012 · Severe Storms And Flooding

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 RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemDuluth
serves 86,859 people · EPA ID MN1690011
Water SourceSurface water
Last State InspectionFeb 2025
Lead8 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Oct 2017
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
AT&T
Fixed Wireless		100 / 20
Airfiber
Fixed Wireless		100 / 20

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