St. Louis County property record for 28 Cato Ave, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,006 sqft · built 1917 |
| Lot Size | 0.092 acres (4,014 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $992 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3970-01360 |
| Primary APN | 010-3970-01360 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,006 sqft Gross Area |
| 1st Floor Area | 616 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bungalow |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,014 sqft (0.092 acres) |
| Garage Area | 308 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 56 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 21071 |
|---|---|
| Street Address | 28 CATO AVE |
| City | DULUTH |
| State | MN |
| Zip | 55808-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0012 BLOCK:012 SERIAL # |
| Legal Subdivision | RIVERSIDE DULUTH |
| Legal Block | 12 |
| Legal Lot Number | 12 |
| 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 | 28 CATO AVE, DULUTH, MN 55808-1110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
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 | $992.00 (-2.55%) Homeowner's exemption Disabled Person's exemption | ||
| 2025 | $1,018.00 (-12.69%) Homeowner's exemption Disabled Person's exemption | $139,400 (+6.25%) Land $8,900 Building $130,500 | $139,400 (+6.25%) Land $8,900 Building $130,500 |
| 2024 | $1,166.00 | $131,200 (+19.82%) Land $10,400 Building $120,800 | $131,200 (+19.82%) Land $10,400 Building $120,800 |
| 2022 | $109,500 Land $9,900 Building $99,600 | $109,500 Land $9,900 Building $99,600 |
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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