305 103rd Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 305 103rd Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,121 sqft · built 1903
Lot Size	0.086 acres (3,748 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jul 2022)
Tax Bill	$1,886 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2260-07720`

Property Details

APN / Parcel Number

Primary APN	`010-2260-07720`
Alternative APN	`1133960`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,121 sqft Gross Area
1st Floor Area	848 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1985
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	3,748 sqft (0.086 acres)
Garage Area	520 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	84 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1133960
Street Address	305 103RD AVE W
City	DULUTH
State	MN
Zip	55808-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0011 BLOCK:100 SERIAL #
Legal Subdivision	HOME PARK DIV OF NEW DULUTH
Legal Block	100
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	3800

Owner

305 103rd Ave W is owned and occupied by an individual who bought it in July 2022.

Source: St. Louis County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	305 103RD AVE W, DULUTH, MN 55808-2022
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2022 · Amount on File
Deed Sale	Jul 26, 2022 · Amount on File
Deed Document Number	20221059277
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 26, 2022
Property Address	305 103RD AVE W, DULUTH, MN 55808-2022
Document Number	0001059277
Instrument Date	Jul 19, 2022
Instrument	1059277
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 103RD AVE W, DULUTH, MN 55808-2022

Mortgage

Document Number	0001059278
Date	Jul 26, 2022
Instrument	1059278

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 305 103rd Ave W was $1,886 with a homeowner's exemption, up 16.4% 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	$1,886.00 (+16.42%) Homeowner's exemption
2025	$1,620.00 (-6.79%) Homeowner's exemption	$162,500 (+11.3%) Land $8,900 Building $153,600	$162,500 (+11.3%) Land $8,900 Building $153,600
2024	$1,738.00	$146,000 Land $8,800 Building $137,200	$146,000 Land $8,800 Building $137,200
2022		$150,300 Land $9,900 Building $140,400	$150,300 Land $9,900 Building $140,400

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

Flood

FEMA maps place 305 103rd Ave W 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 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

Wildfire risk around 305 103rd Ave W is low, with a 0.01% annual chance of wildfire.

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	Direct burnable vegetation

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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 103rd Ave W

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