St. Louis County property record for 31 W Palm St, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,170 sqft · built 1946 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $194,000 (Sep 2022) |
| Tax Bill | $2,900 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0880-00320 |
| Primary APN | 010-0880-00320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,170 sqft Gross Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 350 sqft |
| Finished Basement | 350 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,250 sqft (0.143 acres) |
| Garage Area | 432 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 206 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1136944 |
|---|---|
| Street Address | 31 W PALM ST |
| City | DULUTH |
| State | MN |
| Zip | 55811-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 31 AND 32 SERIAL # |
| Legal Subdivision | DULUTH HEIGHTS FIFTH DIVISION |
| Legal Block | 1 |
| Legal Lot Number | 31-32 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 301 |
31 W Palm St is owned and occupied by an individual who bought it in September 2022.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31 W PALM ST, DULUTH, MN 55811-3411 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2022 · Amount on File |
| Deed Sale | Sep 15, 2022 · Amount on File |
| Prior Sale | Jan 6, 2016 · Amount on File |
| Deed Document Number | 20221452083 |
| Prior Transfer Date | Oct 4, 2010 |
| Prior Transfer Doc | 0001145888 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 15, 2022 |
| Property Address | 31 W PALM ST, DULUTH, MN 55811-3411 |
| Document Number | 0001452083 |
| Instrument Date | Sep 7, 2022 |
| Instrument | 1452083 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31 W PALM ST, DULUTH, MN 55811-3411 |
| Document Number | 0001452084 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 1452084 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Number | 0001452085 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 1452085 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2026 property tax bill for 31 W Palm St was $2,900 with a homeowner's exemption, up 9.4% 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 | $2,900.00 (+9.43%) Homeowner's exemption | ||
| 2025 | $2,650.00 (-1.12%) Homeowner's exemption | $237,800 (+9.89%) Land $36,300 Building $201,500 | $237,800 (+9.89%) Land $36,300 Building $201,500 |
| 2024 | $2,680.00 (+0.83%) | $216,400 Land $28,900 Building $187,500 | $216,400 Land $28,900 Building $187,500 |
| 2023 | $2,658.00 Homeowner's exemption | ||
| 2022 | $194,000 (+15.82%) Land $29,100 Building $164,900 | $194,000 (+15.82%) Land $29,100 Building $164,900 | |
| 2021 | $167,500 Land $25,100 Building $142,400 | $167,500 Land $25,100 Building $142,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 W Palm St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
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 risk around 31 W Palm St is low, with less than 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 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.
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 300 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 |
| AT&T Fixed Wireless | 100 / 20 |
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