31 1st St, Duluth, MN 55810 Property Records

St. Louis County property record for 31 1st St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.25 ba · 1,096 sqft · built 1920
Lot Size	0.292 acres (12,720 sqft)
Owner	Individual Name on Record
Last Sale	$159,400 (Aug 2018)
Tax Bill	$3,406 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`185-0170-00685`

Property Details

APN / Parcel Number

Primary APN	`185-0170-00685`
Alternative APN	`1056673`

Interior

Bedrooms	2 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,096 sqft Gross Area
1st Floor Area	1,096 sqft
Basement Area	822 sqft
Finished Basement	822 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	12,720 sqft (0.292 acres)
Garage Area	1,008 sqft
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1056673
Street Address	31 1ST ST
City	DULUTH
State	MN
Zip	55810-2304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WLY 15 FT OF LOT 35 ALL OF LOT 36 THRU38 SERIAL #
Legal Subdivision	NORTONS ADDITION TO PROCTOR
Legal Block	2
Legal Lot Number	35-38
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2011
Census Tract	10100

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	31 1ST ST, DULUTH, MN 55810-2304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 23, 2018	Warranty Deed, Transfer · Conventional with PMI US BK
Jun 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROCTOR FCU
Jun 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROCTOR FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2018 · Amount on Record
Deed Sale	Aug 23, 2018 · Amount on Record
Prior Sale	Aug 22, 2018 · Amount on Record
Deed Document Number	20181339230
Prior Transfer Date	Jul 25, 2001
Prior Transfer Doc	0000861044
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 1ST ST, DULUTH, MN 55810-2304
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001420479
Date	Jul 30, 2021
Instrument	1420479

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 1ST ST, DULUTH, MN 55810-2304
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001044302
Date	Jul 27, 2021
Instrument	1044302

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 23, 2018
Property Address	31 1ST ST, DULUTH, MN 55810-2304
Document Number	00A1339230
Instrument Date	Aug 17, 2018
Instrument	A1339230
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$526.02
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	31 1ST ST PROCTOR MN 558102304, PROCTOR, MN 55810-2304

Mortgage

Document Number	A1339231
Date	Aug 23, 2018
Instrument	A1339231

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 1ST ST, DULUTH, MN 55810-2304
Document Number	00A1312869
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31 1ST ST PROCTOR MN 558102304, PROCTOR, MN 55810-2304

Mortgage

Document Number	00A1312869
Date	Jul 11, 2017
Instrument	A1312869

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 10, 2027

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 1ST ST, DULUTH, MN 55810-2304
Document Number	000T986331
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31 1ST ST PROCTOR MN 558102304, PROCTOR, MN 55810-2304

Mortgage

Document Number	000T986331
Date	Jun 23, 2017
Instrument	T986331

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 22, 2027

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	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,406.00 (-1.45%) Homeowner's exemption
2025	$3,456.00 (+8.68%) Homeowner's exemption	$258,400 (-2.86%) Land $24,900 Building $233,500	$258,400 (-2.86%) Land $24,900 Building $233,500
2024	$3,180.00	$266,000 (+47.04%) Land $20,400 Building $245,600	$266,000 (+47.04%) Land $20,400 Building $245,600
2022		$180,900 Land $15,400 Building $165,500	$180,900 Land $15,400 Building $165,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	May 1979 · rainfall accumulation

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	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	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Spectrum, T-Mobile.

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