305 104th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 305 104th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Lot Size	0.169 acres (7,396 sqft)
Owner	Individual Name on Record
Tax Bill	$782 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-2260-07970`

Property Details

APN / Parcel Number

Primary APN	`010-2260-07970`
Alternative APN	`72685`

Exterior

Exterior Material	Wood
Construction Type	Frame
Lot Area	7,396 sqft (0.169 acres)
Garage Area	1,068 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	72685
Street Address	305 104TH AVE W
City	DULUTH
State	MN
Zip	55808-2023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13, 14, 15 AND 16, BLOCK 101 SERIAL #
Legal Subdivision	HOME PARK DIV OF NEW DULUTH
Legal Block	101
Legal Lot Number	13-15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	3800

Owner

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	305 104TH AVE W, DULUTH, MN 55808-2023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage CITY OF DULUTH
Oct 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage SHARE ADVANTAGE CU
Jun 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage SHARE ADVANTAGE CU
Feb 23, 2017	Deed of Trust, Mortgage · Line of Credit SHARE ADVANTAGE CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 104TH AVE W, DULUTH, MN 55808-2023
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001425469
Date	Sep 24, 2021
Instrument	1425469

Lender

Name	CITY OF DULUTH
Type	Non-Lending Institution
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 104TH AVE W, DULUTH, MN 55808-2023
Document Number	00A1343569
Instrument Date	Oct 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 104TH AVE W DULUTH MN 558082023, DULUTH, MN 55808-2023

Mortgage

Document Number	00A1343569
Date	Oct 29, 2018
Instrument	A1343569

Lender

Name	SHARE ADVANTAGE CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 28, 2033

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 104TH AVE W, DULUTH, MN 55808-2023
Document Number	00A1336044
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Jul 27, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 104TH AVE W DULUTH MN 558082023, DULUTH, MN 55808-2023

Mortgage

Document Number	00A1336044
Date	Jul 9, 2018
Instrument	A1336044

Lender

Name	SHARE ADVANTAGE CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 8, 2033

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 104TH AVE W, DULUTH, MN 55808-2023
Document Number	00A1305838
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 104TH AVE W DULUTH MN 558082023, DULUTH, MN 55808-2023

Mortgage

Document Number	00A1305838
Date	Mar 16, 2017
Instrument	A1305838

Lender

Name	SHARE ADVANTAGE CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$782.00 (+10.14%) Homeowner's exemption
2025	$710.00 (-0.56%) Homeowner's exemption	$54,000 (+8.22%) Land $19,100 Building $34,900	$54,000 (+8.22%) Land $19,100 Building $34,900
2024	$714.00	$49,900 (+6.17%) Land $18,800 Building $31,100	$49,900 (+6.17%) Land $18,800 Building $31,100
2022		$47,000 Land $21,200 Building $25,800	$47,000 Land $21,200 Building $25,800

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

Flood

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

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

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