231 W LOCUST ST DULUTH MN 558112514, DULUTH, MN 55811-2514
Mortgage
Document Number
00A1378941
Date
May 5, 2020
Instrument
A1378941
Lender
Name
US BK
Type
Bank
Address
CINCINNATI, OH 45202
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
360 Months
Due
May 4, 2050
Interest
Rate Type
Adjustable Rate
August 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
ST LOUIS MN
Property Address
231 W LOCUST ST, DULUTH, MN 55811-2514
Document Number
00A1361835
Instrument Date
Aug 5, 2019
Transaction Type
Mortgage
Record Updated
Sep 10, 2019
Title Company
NOT AVAILABLE
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
231 W LOCUST ST DULUTH MN 558112514, DULUTH, MN 55811-2514
Mortgage
Document Number
00A1361835
Date
Aug 26, 2019
Instrument
A1361835
Lender
Name
US BK
Type
Bank
Address
CINCINNATI, OH 45202
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
240 Months
Due
Aug 25, 2039
Interest
Rate Type
Adjustable Rate
Tax Assessment & Valuation
The 2026 property tax bill for 231 W Locust St was $4,308 with a homeowner's exemption, up 3% 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
$4,308.00 (+2.96%)Homeowner's exemption
2025
$4,184.00 (+8.34%)Homeowner's exemption
$400,300 (+24.94%)Land $63,400Building $336,900
$400,300 (+24.94%)Land $63,400Building $336,900
2024
$3,862.00
$320,400Land $46,400Building $274,000
$320,400Land $46,400Building $274,000
2022
$275,300Land $49,900Building $225,400
$275,300Land $49,900Building $225,400
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 231 W Locust St in Zone X, an area of minimal flood risk.
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
Flood Insurance Cost
Premium on File median of 18 policies
Nearby Flood Policies
18 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
Wildfire risk around 231 W Locust St is low, with less than 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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood
Under 0.01% annual chance
Exposure
None 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 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 163 locations within half a mile, as of December 31, 2025