306 98th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 306 98th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,314 sqft · built 1919
Lot Size	0.321 acres (14,006 sqft)
Owner	Individual Name on File
Tax Bill	$1,744 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3430-05070`

Property Details

APN / Parcel Number

Primary APN	`010-3430-05070`
Alternative APN	`9948`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,314 sqft Gross Area
1st Floor Area	1,314 sqft
Basement Area	309 sqft
Finished Basement	309 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	14,006 sqft (0.321 acres)
Garage Area	1,020 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	128 sqft
Deck Area	156 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	9948
Street Address	306 98TH AVE W
City	DULUTH
State	MN
Zip	55808-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 19 THRU 22 SERIAL #
Legal Subdivision	NEW DULUTH 1ST DIV
Legal Block	15
Legal Lot Number	19-22
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2028
Census Tract	3800

Owner

306 98th Ave W is owned and occupied by an individual.

Source: St. Louis County records, as of August 17, 2026

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

Owner of Record	Individual Name on File
Mailing Address	306 98TH AVE W, DULUTH, MN 55808-2007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage WESTERN NATIONAL BANK
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESTERN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	306 98TH AVE W, DULUTH, MN 55808-2007
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 98TH AVE W, DULUTH, MN 55808-2007

Mortgage

Document Number	0001458959
Date	Dec 20, 2022
Instrument	1458959

Lender

Name	WESTERN NATIONAL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 6, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Type Change Date	Dec 6, 2027
Change Frequency	Annually
Min Rate At Change	6.3%
Max Rate At Change	8.3%
Index	Other
Max Rate	16.3%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	306 98TH AVE W, DULUTH, MN 55808-2007
Document Number	00A1394547
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NORTH SHORE TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	306 98TH AVE W DULUTH MN 558082007, DULUTH, MN 55808-2007

Mortgage

Document Number	00A1394547
Date	Oct 29, 2020
Instrument	A1394547

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 28, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 306 98th Ave W was $1,744 with a homeowner's exemption, up 27.5% 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	$1,744.00 (+27.49%) Homeowner's exemption
2025	$1,368.00 (-58.01%) Homeowner's exemption	$275,400 (+10.96%) Land $23,300 Building $252,100	$275,400 (+10.96%) Land $23,300 Building $252,100
2024	$3,258.00	$248,200 Land $23,000 Building $225,200	$248,200 Land $23,000 Building $225,200
2022		$219,200 Land $22,200 Building $197,000	$219,200 Land $22,200 Building $197,000

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

Flood

FEMA maps place 306 98th Ave W in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	27 units insured incl. 26 condo units
Nearby Flood Claims	4 (2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 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 306 98th 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	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.

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.

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