2909 Minnesota Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 2909 Minnesota Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,992 sqft · built 2015
Lot Size	0.183 acres (8,003 sqft)
Owner	2 Trust Names on File
Last Sale	$1,235,000 (Jul 2026)
Tax Bill	$15,712 (2026)
Deeds & Mortgages	Jul 2026 Sale May 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`010-3110-01070`

Property Details

APN / Parcel Number

Primary APN	`010-3110-01070`
Alternative APN	`927030`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,992 sqft Gross Area
1st Floor Area	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable
Lot Area	8,003 sqft (0.183 acres)
Garage Area	720 sqft
Porch	Slab
Porch Area	238 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	927030
Street Address	2909 MINNESOTA AVE
City	DULUTH
State	MN
Zip	55802-2527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 205 AND 207; INCLUDING LOTS 206 AND 208,ST. LOUIS AVENUE, LOWER DULUTH SERIAL #
Legal Subdivision	LOWER DULUTH MINNESOTA AVE
Legal Lot Number	205-207
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1006
Census Tract	2200

Owner

2909 Minnesota Ave is owner-occupied and held in a trust since July 2026.

Source: St. Louis County records, as of October 14, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2909 MINNESOTA AVE, DULUTH, MN 55802-2527
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jul 30, 2026	Warranty Deed, Transfer CBD TITLE LLC, CHB TITLE LLC
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jun 2, 2017	Loan Modification, Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on File
Deed Sale	Jul 30, 2026 · Amount on File
Prior Sale	Feb 24, 2012 · Amount on File
Deed Document Number	20261104220
Prior Transfer Date	Jan 25, 2024
Prior Transfer Doc	0001076708
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 30, 2026
Property Address	2909 MINNESOTA AVE, DULUTH, MN 55802-2527
Document Number	0001104220
Instrument Date	Jul 23, 2026
Instrument	20261104220
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	CBD TITLE LLC, CHB TITLE LLC

Transaction

Amount	Amount on Record
Tax	$411,625.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2909 MINNESOTA AVE, DULUTH, MN 55802-2527

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2909 MINNESOTA AVE, DULUTH, MN 55802-2527
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001041366
Date	May 27, 2021
Instrument	1041366

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Apr 1, 2036

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	2909 MINNESOTA AVE, DULUTH, MN 55802-2527
Document Number	000T989129
Instrument Date	Jun 2, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2909 MINNESOTA AVE DULUTH MN 558022527, DULUTH, MN 55802-2527

Mortgage

Document Number	000T989129
Date	Aug 28, 2017
Instrument	T989129

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 27, 2032

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2026 property tax bill for 2909 Minnesota Ave was $15,712 with a homeowner's exemption, up 3.9% 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	$15,712.00 (+3.92%) Homeowner's exemption
2025	$15,120.00 (-2.55%) Homeowner's exemption	$1,054,500 (+5.98%) Land $255,900 Building $798,600	$1,054,500 (+5.98%) Land $255,900 Building $798,600
2024	$15,516.00	$995,000 Land $385,000 Building $610,000	$995,000 Land $385,000 Building $610,000
2022		$841,400 Land $186,200 Building $655,200	$841,400 Land $186,200 Building $655,200

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

Flood

FEMA maps place 2909 Minnesota Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	605.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
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 2909 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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