31 W 5th St, Duluth, MN 55806 Property Records

St. Louis County property record for 31 W 5th St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 2,262 sqft · built 1901
Lot Size	0.101 acres (4,405 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Jul 2019)
Tax Bill	$2,722 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-1020-00160`

Property Details

APN / Parcel Number

Primary APN	`010-1020-00160`
Alternative APN	`1074061`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,262 sqft Gross Area
1st Floor Area	1,153 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Duplex Single
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,405 sqft (0.101 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	186 sqft
Deck Area	91 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1074061
Street Address	31 W 5TH ST
City	DULUTH
State	MN
Zip	55806-2727
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	S 88 FT SERIAL #
Legal Subdivision	DULUTH PROPER 1ST DIV WEST 5TH
Legal Lot Number	15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3001
Census Tract	1800

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 W 5TH ST, DULUTH, MN 55806-2727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Balloon Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D
Apr 19, 2021	Deed of Trust, Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D
Jul 11, 2019	Deed of Trust, Mortgage US BK
Jul 16, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Jan 14, 2016 · Amount on Record
Deed Document Number	20191358731
Prior Transfer Date	May 25, 2005
Prior Transfer Doc	0000985063
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 W 5TH ST, DULUTH, MN 55806-2727
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001410814
Date	Apr 19, 2021
Instrument	1410814

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF D
Type	Government Agency
Address	DULUTH, MN 55816

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 W 5TH ST, DULUTH, MN 55806-2727
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001410816
Date	Apr 19, 2021
Instrument	1410816

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF D
Type	Government Agency
Address	DULUTH, MN 55816

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 31, 2036

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 W 5TH ST, DULUTH, MN 55806-2727
Document Number	00A1358859
Instrument Date	Jul 11, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 W 5TH ST DULUTH MN 558062727, DULUTH, MN 55806-2727

Mortgage

Document Number	00A1358859
Date	Jul 18, 2019
Instrument	A1358859

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 16, 2019
Property Address	31 W 5TH ST, DULUTH, MN 55806-2727
Document Number	00A1358731
Instrument Date	Jul 11, 2019
Instrument	A1358731
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$455.40
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 W 5TH ST DULUTH MN 558062727, DULUTH, MN 55806-2727

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
2026	$2,722.00 (+17.33%) Homeowner's exemption
2025	$2,320.00 (+20.46%) Homeowner's exemption	$238,700 (+23.04%) Land $17,500 Building $221,200	$238,700 (+23.04%) Land $17,500 Building $221,200
2024	$1,926.00 (+18.3%)	$194,000 (+49%) Land $15,900 Building $178,100	$194,000 (+49%) Land $15,900 Building $178,100
2023	$1,628.00 Homeowner's exemption
2022		$130,200 (+29.81%) Land $17,600 Building $112,600	$130,200 (+29.81%) Land $17,600 Building $112,600
2021		$100,300 Land $9,500 Building $90,800	$100,300 Land $9,500 Building $90,800

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 Policies	1 in force
Nearby Flood Claims	2 (1979)
Most Recent Claim	Dec 1979 · tidal / storm surge

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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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