St. Louis County property record for 232 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 6,225 sqft · built 1991 |
| Lot Size | 0.143 acres (6,248 sqft) |
| Owner | Company Name on Record |
| Last Sale | $650,000 (Mar 2025) |
| Tax Bill | $11,028 (2026) |
| Deeds & Mortgages | Oct 2020 Loan Modification Oct 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4470-02880 |
| Primary APN | 010-4470-02880 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 6,225 sqft Gross Area |
| 1st Floor Area | 6,225 sqft |
| Basement Area | 6,225 sqft |
| Flooring | Carpet |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Lot Area | 6,248 sqft (0.143 acres) |
| Garage Type | Basement |
| Porch | Porch |
| Porch Area | 1,056 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1177511 |
|---|---|
| Street Address | 232 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-2463 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 AND 2 SERIAL # |
| Legal Subdivision | WEST DULUTH 1ST DIV |
| Legal Block | 19 |
| Legal Lot Number | 1-2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 15800 |
Source: St. Louis County records, as of September 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 5610 RALEIGH ST, DULUTH, MN 55807-2388 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Oct 27, 2020 | Loan Modification, Mortgage FRANDSEN BK&TR |
| Oct 30, 2017 | Loan Modification, Mortgage · Line of Credit FRANDSEN BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 21, 2025 · Amount on Record |
| Deed Sale | Mar 21, 2025 · Amount on Record |
| Prior Sale | Jan 6, 2025 · Amount on Record |
| Deed Document Number | 20251506924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 232 N CENTRAL AVE, DULUTH, MN 55807-2463 |
| Document Number | 00A1395921 |
| Instrument Date | Oct 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 232 N CENTRAL AVE DULUTH MN 558072463, DULUTH, MN 55807-2463 |
| Document Number | 00A1395921 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | A1395921 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Term | 60 Months |
|---|---|
| Due | Nov 12, 2025 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 232 N CENTRAL AVE, DULUTH, MN 55807-2463 |
| Document Number | 00A1323001 |
| Instrument Date | Oct 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 232 N CENTRAL AVE DULUTH MN 558072463, DULUTH, MN 55807-2463 |
| Document Number | 00A1323001 |
|---|---|
| Date | Nov 28, 2017 |
| Instrument | A1323001 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Nov 27, 2020 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,028.00 (+7.09%) Homeowner's exemption | ||
| 2025 | $10,298.00 (-2.26%) Homeowner's exemption | $517,700 (+4.16%) Land $99,600 Building $418,100 | $517,700 (+4.16%) Land $99,600 Building $418,100 |
| 2024 | $10,536.00 | $497,000 (+0.42%) Land $96,600 Building $400,400 | $497,000 (+0.42%) Land $96,600 Building $400,400 |
| 2022 | $494,900 Land $96,600 Building $398,300 | $494,900 Land $96,600 Building $398,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 2 (1988–2012) |
| Most Recent Claim | Jun 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 · 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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