St. Louis County property record for 31 S 65th Ave W, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,170 sqft · built 1918 |
| Lot Size | 0.143 acres (6,254 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,698 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit Nov 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0580-01350 |
| Primary APN | 010-0580-01350 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,170 sqft Gross Area |
| 1st Floor Area | 966 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,254 sqft (0.143 acres) |
| Garage Area | 572 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 82 sqft |
| Deck Area | 428 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1045150 |
|---|---|
| Street Address | 31 S 65TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55807-2216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 AND 2 SERIAL # |
| Legal Subdivision | CLINTON PLACE ADD TO DULUTH |
| Legal Block | 9 |
| Legal Lot Number | 1-2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 3300 |
31 S 65th Ave W is owned and occupied by an individual.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31 S 65TH AVE W, DULUTH, MN 55807-2216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 9, 2022 | Deed of Trust, Mortgage · Line of Credit BOUNDARY WATERS BANK |
| Nov 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL INC |
| May 25, 2018 | Deed of Trust, Mortgage · Conventional with PMI HANCOCK MTG PTRS |
| Jan 23, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 31 S 65TH AVE W, DULUTH, MN 55807-2216 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001456096 |
|---|---|
| Date | Nov 9, 2022 |
| Instrument | 1456096 |
| Name | BOUNDARY WATERS BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55449 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Oct 27, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 31 S 65TH AVE W, DULUTH, MN 55807-2216 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0001455515 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 1455515 |
| Name | AMERIFIRST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | GILBERT, AZ 85297 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 31 S 65TH AVE W, DULUTH, MN 55807-2216 |
| Document Number | 00A1334065 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 S 65TH AVE W DULUTH MN 558072216, DULUTH, MN 55807-2216 |
| Document Number | 00A1334065 |
|---|---|
| Date | Jun 5, 2018 |
| Instrument | A1334065 |
| Name | HANCOCK MTG PTRS |
|---|---|
| Type | Mortgage Company |
| Address | SUGAR LAND, TX 77478 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 4, 2028 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 23, 2018 |
| Property Address | 31 S 65TH AVE W, DULUTH, MN 55807-2216 |
| Document Number | 00A1326408 |
| Instrument Date | Dec 12, 2017 |
| Instrument | A1326408 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31 S 65TH AVE W DULUTH MN 558072216, DULUTH, MN 55807-2216 |
The 2026 property tax bill for 31 S 65th Ave W was $2,698 with a homeowner's exemption, up 8.1% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,698.00 (+8.09%) Homeowner's exemption | ||
| 2025 | $2,496.00 (-0.64%) Homeowner's exemption | $244,400 (+18.64%) Land $15,600 Building $228,800 | $244,400 (+18.64%) Land $15,600 Building $228,800 |
| 2024 | $2,512.00 | $206,000 Land $14,300 Building $191,700 | $206,000 Land $14,300 Building $191,700 |
| 2022 | $165,000 Land $13,900 Building $151,100 | $165,000 Land $13,900 Building $151,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 S 65th Ave W 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 risk around 31 S 65th 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Airfiber Fixed Wireless | 100 / 20 |
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