2824 Minnesota Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 2824 Minnesota Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,019 sqft · built 1906
Lot Size	0.121 acres (5,278 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Nov 2019)
Tax Bill	$7,798 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3110-03030`

Property Details

APN / Parcel Number

Primary APN	`010-3110-03030`
Alternative APN	`1084368`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,019 sqft Gross Area
1st Floor Area	1,369 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1977
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Lot Area	5,278 sqft (0.121 acres)
Garage Area	336 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	480 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1084368
Street Address	2824 MINNESOTA AVE
City	DULUTH
State	MN
Zip	55802-2526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 192 AND NLY 12 76/100 FT OF LOT 194 SERIAL #
Legal Subdivision	MINNESOTA AVENUE
Legal Lot Number	192,194
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	2200

Owner

2824 Minnesota Ave is owned and occupied by an individual who acquired it in June 2024.

Source: St. Louis County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	2824 MINNESOTA AVE, DULUTH, MN 55802-2526
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Jul 27, 2020	Warranty Deed, Transfer · Conventional with PMI SUMMIT MTG CORP
Nov 6, 2019	Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2019 · Amount on File
Deed Sale	Nov 6, 2019 · Amount on File
Prior Sale	Sep 25, 2014 · Amount on File
Deed Document Number	20191366993
Last Transfer Date	Jun 10, 2024
Transfer Doc	0001489607
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 4, 2026
Property Address	2824 MINNESOTA AVE, DULUTH, MN 55802-2526
Document Number	0001539964
Instrument Date	Aug 24, 2026
Instrument	20261539964
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2824 MINNESOTA AVE, DULUTH, MN 55802-2526

Mortgage

Document Number	0001539964,
Date	Sep 4, 2026
Instrument	20261539964

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 20, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 27, 2020
Property Address	2824 MINNESOTA AVE, DULUTH, MN 55802-2526
Document Number	00A1386050
Instrument Date	Jul 2, 2020
Instrument	A1386050
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,205.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2832 MINNESOTA AVE DULUTH MN 558022526, DULUTH, MN 55802-2526

Mortgage

Document Number	A1386051
Date	Jul 27, 2020
Instrument	A1386051

Lender

Name	SUMMIT MTG CORP
Address	PLYMOUTH, MN 55441

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 6, 2019
Property Address	2824 MINNESOTA AVE, DULUTH, MN 55802-2526
Document Number	00A1366993
Instrument Date	Oct 10, 2019
Instrument	A1366993
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,188.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2824 MINNESOTA AVE DULUTH MN 558022526, DULUTH, MN 55802-2526

Mortgage

Document Number	A1366994
Date	Nov 6, 2019
Instrument	A1366994

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 5, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 2824 Minnesota Ave was $7,798 with a homeowner's exemption, down 0.3% 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	$7,798.00 (-0.28%) Homeowner's exemption
2025	$7,820.00 (+3.36%) Homeowner's exemption	$570,900 (+2.31%) Land $180,700 Building $390,200	$570,900 (+2.31%) Land $180,700 Building $390,200
2024	$7,566.00	$558,000 Land $254,000 Building $304,000	$558,000 Land $254,000 Building $304,000
2022		$449,300 Land $122,900 Building $326,400	$449,300 Land $122,900 Building $326,400

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

Flood

FEMA maps place 2824 Minnesota Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1986–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 3 claims

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

The area around 2824 Minnesota Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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