243 Garden St, Duluth, MN 55812 Property Records

St. Louis County property record for 243 Garden St, Duluth, MN 55812 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.25 ba · 1,640 sqft · built 1930
Lot Size	0.178 acres (7,787 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Sep 2022)
Tax Bill	$4,082 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1380-02090`

Property Details

APN / Parcel Number

Primary APN	`010-1380-02090`
Alternative APNs	`1137282` `57824`

Interior

Bedrooms	4 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,640 sqft Gross Area
1st Floor Area	834 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Lot Area	7,787 sqft (0.178 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	172 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1137282
Street Address	243 GARDEN ST
City	DULUTH
State	MN
Zip	55812-1144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0001 BLOCK:020 SERIAL #
Legal Subdivision	EAST LAWN DIV OF DULUTH
Legal Block	20
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2006
Census Tract	15700

Owner

Source: St. Louis County records · APN 010-1380-02090

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	243 GARDEN ST, DULUTH, MN 55812-1144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 21, 2022 · Amount on Record
Deed Sale	Sep 21, 2022 · Amount on Record
Deed Document Number	20221061516
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 21, 2022
Property Address	243 GARDEN ST, DULUTH, MN 55812-1144
Document Number	0001061516
Instrument Date	Sep 15, 2022
Instrument	1061516
Transaction Type	Transfer
Record Updated	Nov 17, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	243 GARDEN ST, DULUTH, MN 55812-1144

Mortgage

Document Number	0001061517
Date	Sep 21, 2022
Instrument	1061517

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,082.00 (-0.87%) Homeowner's exemption
2025	$4,118.00 (+6.46%) Homeowner's exemption	$319,800 (+1.23%) Land $32,200 Building $287,600	$319,800 (+1.23%) Land $32,200 Building $287,600
2024	$3,868.00	$315,900 (+17.61%) Land $44,600 Building $271,300	$315,900 (+17.61%) Land $44,600 Building $271,300
2022		$268,600 Land $42,300 Building $226,300	$268,600 Land $42,300 Building $226,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 384 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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