31 S Boundary Ave, Duluth, MN 55810 Property Records

St. Louis County property record for 31 S Boundary Ave, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,244 sqft · built 1956
Lot Size	0.14 acres (6,125 sqft)
Owner	Individual Name on Record
Last Sale	$242,000 (Mar 2022)
Tax Bill	$96 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00600`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00600`
Alternative APN	`1127584`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,244 sqft Gross Area
1st Floor Area	1,244 sqft
Basement Area	842 sqft
Finished Basement	842 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	6,125 sqft (0.14 acres)
Patio Area	578 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1127584
Street Address	31 S BOUNDARY AVE
City	DULUTH
State	MN
Zip	55810-2338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0020 BLOCK:003 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIV
Legal Block	3
Legal Lot Number	20
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2016
Census Tract	10100

Owner

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 Record
Mailing Address	31 S BOUNDARY AVE, DULUTH, MN 55810-2338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE
Mar 22, 2022	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 30, 2019	Deed of Trust, Mortgage · Conventional with PMI NATIONAL BK/CMRC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2022 · Amount on Record
Deed Sale	Mar 22, 2022 · Amount on Record
Prior Sale	Aug 7, 2015 · Amount on Record
Deed Document Number	20221054635
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 S BOUNDARY AVE, PROCTOR, MN 55810-2338
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001046844
Date	Sep 16, 2021
Instrument	1046844

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 9, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 22, 2022
Property Address	31 S BOUNDARY AVE, PROCTOR, MN 55810-2338
Document Number	0001054635
Instrument Date	Mar 11, 2022
Instrument	1054635
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.60
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 S BOUNDARY AVE, PROCTOR, MN 55810-2338
Investor	Possibly a Property Investor

Mortgage

Document Number	0001054636
Date	Mar 22, 2022
Instrument	1054636

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 S BOUNDARY AVE, PROCTOR, MN 55810-2338
Document Number	00T1015899
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 S BOUNDARY AVE PROCTOR MN 558102338, PROCTOR, MN 55810-2338

Mortgage

Document Number	00T1015899
Date	Oct 7, 2019
Instrument	T1015899

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2049

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	$96.00 (-97.55%)
2025	$3,918.00 (+9.75%)	$6,700 (-97.59%) Land $6,700	$6,700 (-97.59%) Land $6,700
2024	$3,570.00	$278,100 (+71.56%) Land $13,200 Building $264,900	$278,100 (+71.56%) Land $13,200 Building $264,900
2022		$162,100 Land $9,900 Building $152,200	$162,100 Land $9,900 Building $152,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 441 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
AT&T Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, T-Mobile.

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