St. Louis County property record for 26 Cato Ave, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 910 sqft · built 1917 |
| Lot Size | 0.092 acres (4,012 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $152,500 (Jun 2022) |
| Tax Bill | $1,436 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3970-01370 |
| Primary APN | 010-3970-01370 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 910 sqft Gross Area |
| 1st Floor Area | 520 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,012 sqft (0.092 acres) |
| Garage Area | 400 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 56 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1131041 |
|---|---|
| Street Address | 26 CATO AVE |
| City | DULUTH |
| State | MN |
| Zip | 55808-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0013 BLOCK:012 SERIAL # |
| Legal Subdivision | RIVERSIDE |
| Legal Block | 12 |
| Legal Lot Number | 13 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 3600 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 26 CATO AVE, DULUTH, MN 55808-1110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FCU |
| Mar 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage KS STATEBANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2022 · Amount on Record |
| Deed Sale | Jun 2, 2022 · Amount on Record |
| Deed Document Number | 20221057211 |
| Prior Transfer Date | Mar 13, 2014 |
| Prior Transfer Doc | 0000943686 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 2, 2022 |
| Property Address | 26 CATO AVE, DULUTH, MN 55808-1110 |
| Document Number | 0001057211 |
| Instrument Date | May 27, 2022 |
| Instrument | 1057211 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $503.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 26 CATO AVE, DULUTH, MN 55808-1110 |
| Document Number | 0001057212 |
|---|---|
| Date | Jun 2, 2022 |
| Instrument | 1057212 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 27, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | May 27, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 7.75% |
| Index | Prime Rate |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 26 CATO AVE, DULUTH, MN 55808-1110 |
| Document Number | 000T996103 |
| Instrument Date | Mar 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 26 CATO AVE DULUTH MN 558081110, DULUTH, MN 55808-1110 |
| Document Number | 000T996103 |
|---|---|
| Date | Mar 21, 2018 |
| Instrument | T996103 |
| Name | KS STATEBANK |
|---|---|
| Address | MANHATTAN, KS 66502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2048 |
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 | $1,436.00 (-0.97%) Homeowner's exemption | ||
| 2025 | $1,450.00 (-9.94%) Homeowner's exemption | $143,500 (+6.3%) Land $8,900 Building $134,600 | $143,500 (+6.3%) Land $8,900 Building $134,600 |
| 2024 | $1,610.00 | $135,000 (+5.63%) Land $10,400 Building $124,600 | $135,000 (+5.63%) Land $10,400 Building $124,600 |
| 2022 | $127,800 Land $9,900 Building $117,900 | $127,800 Land $9,900 Building $117,900 |
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
| 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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