31 England Ave, Duluth, MN 55808 Property Records

St. Louis County property record for 31 England Ave, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,054 sqft · built 1917
Lot Size	0.092 acres (4,015 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (Nov 2025)
Tax Bill	$1,778 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3970-01280`

Property Details

APN / Parcel Number

Primary APN	`010-3970-01280`
Alternative APNs	`1089210` `1177879` `1190791`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,054 sqft Gross Area
1st Floor Area	664 sqft
Basement Area	288 sqft
Finished Basement	288 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1975
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,015 sqft (0.092 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	56 sqft
Deck Area	32 sqft
Storage Building	25 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1190791
Street Address	31 ENGLAND AVE
City	DULUTH
State	MN
Zip	55808-1153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:012 SERIAL #
Legal Subdivision	RIVERSIDE
Legal Block	12
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2018
Census Tract	3600

Owner

31 England Ave is owned and occupied by an individual who bought it in November 2025.

Source: St. Louis County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	31 ENGLAND AVE, DULUTH, MN 55808-1153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Date	Document
Nov 10, 2025	Warranty Deed, Transfer · FHA Mortgage NORTH SHORE BANK OF COMMERCE
May 7, 2020	Warranty Deed, Transfer · FHA Mortgage SUMMIT MTG CORP
May 7, 2020	Warranty Deed, Transfer NORTH SHORE TITLE
Oct 15, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2025 · Amount on File
Deed Sale	Nov 10, 2025 · Amount on File
Prior Sale	May 7, 2020 · Amount on File
Deed Document Number	20251096038
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 10, 2025
Property Address	31 ENGLAND AVE, DULUTH, MN 55808-1153
Document Number	0001096038
Instrument Date	Oct 29, 2025
Instrument	1096038
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MONUMENT TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$673.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ENGLAND AVE, DULUTH, MN 55808-1153

Mortgage

Document Number	0001096039
Date	Nov 10, 2025
Instrument	1096039

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Mortgage

Document Number	0001096040
Date	Nov 10, 2025
Instrument	1096040

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 7, 2020
Property Address	31 ENGLAND AVE, DULUTH, MN 55808-1153
Document Number	00T1023172
Instrument Date	Apr 24, 2020
Instrument	T1023172
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ENGLAND AVE DULUTH MN 558081153, DULUTH, MN 55808-1153

Mortgage

Document Number	T1023173
Date	May 7, 2020
Instrument	T1023173

Lender

Name	SUMMIT MTG CORP
Address	PLYMOUTH, MN 55441

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

Mortgage

Document Number	T1026854,
Date	May 7, 2020
Instrument	T1026854

Lender

Name	SUMMIT MTG CORP
Address	PLYMOUTH, MN 55441

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 7, 2020
Property Address	31 ENGLAND AVE, DULUTH, MN 55808-1153
Document Number	00T1023171
Instrument Date	Apr 24, 2020
Instrument	T1023171
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$198.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ENGLAND AVE DULUTH MN 558081153, DULUTH, MN 55808-1153

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 15, 2019
Property Address	31 ENGLAND AVE, DULUTH, MN 55808-1153
Document Number	00T1016227
Instrument Date	Oct 10, 2019
Instrument	T1016227
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$198.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 N 78TH AVE W DULUTH MN 558071718, DULUTH, MN 55807-1718

Tax Assessment & Valuation

The 2026 property tax bill for 31 England Ave was $1,778 with a homeowner's exemption, down 18.7% 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	$1,778.00 (-18.74%) Homeowner's exemption
2025	$2,188.00 (-2.84%)	$162,100 (+2.47%) Land $8,900 Building $153,200	$162,100 (+2.47%) Land $8,900 Building $153,200
2024	$2,252.00	$158,200 Land $10,400 Building $147,800	$158,200 Land $10,400 Building $147,800
2022		$151,900 Land $9,900 Building $142,000	$151,900 Land $9,900 Building $142,000

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

Flood

FEMA maps place 31 England Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 31 England Ave 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Airfiber Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

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