31 W 2nd St, Duluth, MN 55802 Property Records

St. Louis County property record for 31 W 2nd St, Duluth, MN 55802

Property Summary

Property Type	Charitable / Fraternal Organization
Details	2,534 sqft · built 1950
Lot Size	0.322 acres (14,063 sqft)
Owner	Company Name on Record
Last Sale	$2,275,000 (Sep 2021)
Tax Bill	$5,320 (2021)
Deeds & Mortgages	Oct 2023 Construction Loan Oct 2023 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`010-0960-00100`

Property Details

APN / Parcel Number

Primary APN	`010-0960-00100`
Alternative APN	`1033537`

Interior

Stories	1 Story
Building Area	2,534 sqft Gross Area
1st Floor Area	2,534 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Lot Area	14,063 sqft (0.322 acres)
Garage Area	11,000 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1033537
Street Address	31 W 2ND ST
City	DULUTH
State	MN
Zip	55802-2195
Property Category	Commercial
Property Type	Commercial > Retail > Charitable / Fraternal Organization
Legal Description	LOTS 13 AND 15 SERIAL #
Legal Subdivision	DULUTH PROPER FIRST DIVISION
Legal Lot Number	13,15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2003
Census Tract	1900

Owner

Source: St. Louis County records, as of August 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1401 E 1ST ST, DULUTH, MN 55805-2407
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Construction Mortgage MEMBERS COOPERATIVE CU
Oct 27, 2023	Deed of Trust, Mortgage · Construction Mortgage MEMBERS COOPERATIVE CU
Feb 28, 2019	Deed of Trust, Mortgage · Commercial Mortgage WESTERN NATIONAL BANK
Sep 16, 2021	Re-recorded Document · Construction Mortgage MEMBERS COOPERATIVE CU
Sep 13, 2021	Warranty Deed, Transfer · Commercial Mortgage MEMBERS COOPERATIVE CU
Feb 13, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Jan 2, 2019	Deed of Trust, Mortgage WESTERN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Sep 16, 2021 · Amount on Record
Deed Document Number	20211424719
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 W 2ND ST, DULUTH, MN 55802-2195
Transaction Type	Mortgage
Record Updated	Nov 22, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 E 1ST ST, DULUTH, MN 55805-2407

Mortgage

Document Number	0001073761
Date	Oct 25, 2023
Instrument	1073761

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 19, 2033

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 W 2ND ST, DULUTH, MN 55802-2195
Transaction Type	Mortgage
Record Updated	Nov 22, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 E 1ST ST, DULUTH, MN 55805-2407

Mortgage

Document Number	0001476939
Date	Oct 27, 2023
Instrument	1476939

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 19, 2033

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 W 2ND ST, DULUTH, MN 55802-2195
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001350831
Date	Feb 28, 2019
Instrument	1350831

Lender

Name	WESTERN NATIONAL BANK
Type	Bank
Address	DULUTH, MN 55816

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	35 Months
Due	Jan 2, 2022

September 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ST LOUIS MN
Recording Date	Sep 16, 2021
Property Address	31 W 2ND ST, DULUTH, MN 55802-2195
Document Number	0001424719
Instrument Date	Aug 31, 2021
Instrument	1424719
Record Updated	Oct 2, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 E 1ST ST, DULUTH, MN 55805-2407

Mortgage

Document Number	0001424720
Date	Sep 16, 2021
Instrument	1424720

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 31, 2031

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 13, 2021
Property Address	31 W 2ND ST, DULUTH, MN 55802-2195
Document Number	0001046632
Instrument Date	Aug 31, 2021
Instrument	1046632
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,507.50
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	1401 E 1ST ST, DULUTH, MN 55805-2407

Mortgage

Document Number	0001046633
Date	Sep 13, 2021
Instrument	1046633

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 31, 2031

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 13, 2019
Property Address	31 W 2ND ST, DULUTH, MN 55802-2195
Document Number	0001007847
Instrument Date	Jan 22, 2019
Instrument	1007847
Transaction Type	Transfer
Record Updated	Feb 22, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$630.38
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3027 DULUTH MN 558033027, DULUTH, MN 55803-3027

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 W 2ND ST, DULUTH, MN 55802-2195
Document Number	00T1008185
Instrument Date	Jan 2, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 W 1ST ST DULUTH MN 558022066, DULUTH, MN 55802-2066

Mortgage

Document Number	00T1008185
Date	Feb 28, 2019
Instrument	T1008185

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55816-0050

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Feb 27, 2022

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
2025		$184,600 (-) Land $122,700 Building $61,900	$184,600 (-) Land $122,700 Building $61,900
2024		$184,600 (+0.11%) Land $122,700 Building $61,900	$184,600 (+0.11%) Land $122,700 Building $61,900
2021	$5,320.00	$184,400 Land $122,500 Building $61,900	$184,400 Land $122,500 Building $61,900

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

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

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	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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber, AT&T, Fidium Fiber.

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