309 96th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 309 96th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,596 sqft · built 1890
Lot Size	0.321 acres (14,006 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (May 2026)
Tax Bill	$3,406 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`010-4040-00250`

Property Details

APN / Parcel Number

Primary APN	`010-4040-00250`
Alternative APNs	`1103889` `1197323`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,596 sqft Gross Area
1st Floor Area	894 sqft
Basement Area	447 sqft
Finished Basement	447 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1975
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	14,006 sqft (0.321 acres)
Garage Area	576 sqft
Pool Type	Spa / Hot Tub (No Pool)
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1197323
Street Address	309 96TH AVE W
City	DULUTH
State	MN
Zip	55808-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 THRU 12 SERIAL #
Legal Subdivision	SMITHS ADD TO NEW DULUTH 1ST D
Legal Block	2
Legal Lot Number	9-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2020
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	309 96TH AVE W, DULUTH, MN 55808-2002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORPORATION
Jan 26, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Deed Document Number	20261532499
Prior Transfer Date	Jul 13, 2018
Prior Transfer Doc	00A1402076
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 12, 2026
Property Address	309 96TH AVE W, DULUTH, MN 55808-2002
Document Number	0001532499
Instrument Date	May 4, 2026
Instrument	2026.1532499
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,657.50
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	Joint Tenants
Address	309 96TH AVE W, DULUTH, MN 55808-2002

Mortgage

Document Number	0001532500,
Date	May 12, 2026
Instrument	2026.1532500

Lender

Name	SUMMIT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 26, 2021
Property Address	309 96TH AVE W, DULUTH, MN 55808-2002
Document Number	00A1402076
Instrument Date	Jul 13, 2018
Instrument	A1402076
Transaction Type	Transfer
Record Updated	Feb 22, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	309 96TH AVE W DULUTH MN 558082002, DULUTH, MN 55808-2002

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	$3,406.00 (+14.45%) Homeowner's exemption
2025	$2,976.00 (-4.12%) Homeowner's exemption	$264,200 (+10.92%) Land $23,300 Building $240,900	$264,200 (+10.92%) Land $23,300 Building $240,900
2024	$3,104.00	$238,200 (+9.17%) Land $23,000 Building $215,200	$238,200 (+9.17%) Land $23,000 Building $215,200
2022		$218,200 Land $25,900 Building $192,300	$218,200 Land $25,900 Building $192,300

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 AE, within 500 ft
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

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.

Nearby Properties on 96th Ave W

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures