312 103rd Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 312 103rd Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.25 ba · 816 sqft · built 1890
Lot Size	0.16 acres (6,997 sqft)
Owner	Individual Name on Record
Last Sale	$211,000 (May 2023)
Tax Bill	$2,068 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-2260-07510`

Property Details

APN / Parcel Number

Primary APN	`010-2260-07510`
Alternative APNs	`1109286` `1148385`

Interior

Bedrooms	2 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	816 sqft Gross Area
1st Floor Area	504 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1975
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,997 sqft (0.16 acres)
Garage Area	320 sqft
Pool Type	Spa / Hot Tub (No Pool)
Storage Building	112 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1148385
Street Address	312 103RD AVE W
City	DULUTH
State	MN
Zip	55808-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 16 AND 17 SERIAL #
Legal Subdivision	HOME PARK DIVISION OF NEW DULUTH
Legal Block	99
Legal Lot Number	16-17
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3012
Census Tract	3800

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	312 103RD AVE W, DULUTH, MN 55808-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
May 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage SUMMIT MORTGAGE CORP
May 21, 2021	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Feb 16, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2023 · Amount on Record
Deed Sale	May 8, 2023 · Amount on Record
Prior Sale	May 21, 2021 · Amount on Record
Deed Document Number	20231466093
Prior Transfer Date	Apr 3, 2003
Prior Transfer Doc	0000895784
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 8, 2023
Property Address	312 103RD AVE W, DULUTH, MN 55808-2021
Document Number	0001466093
Instrument Date	Apr 27, 2023
Instrument	1466093
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$696.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	312 103RD AVE W, DULUTH, MN 55808-2021

Mortgage

Document Number	0001466094
Date	May 8, 2023
Instrument	1466094

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	312 103RD AVE W, DULUTH, MN 55808-2021
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001414667
Date	May 21, 2021
Instrument	1414667

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55441

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 21, 2021
Property Address	312 103RD AVE W, DULUTH, MN 55808-2021
Document Number	0001414665
Instrument Date	May 12, 2021
Instrument	1414665
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 103RD AVE W, DULUTH, MN 55808-2021

Mortgage

Document Number	0001414666
Date	May 21, 2021
Instrument	1414666

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 16, 2017
Property Address	312 103RD AVE W, DULUTH, MN 55808-2021
Document Number	00A1304252
Instrument Date	Feb 14, 2017
Instrument	A1304252
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$371.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	312 103RD AVE W DULUTH MN 558082021, DULUTH, MN 55808-2021

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	$2,068.00 (+15.66%) Homeowner's exemption
2025	$1,788.00 (+11.61%) Homeowner's exemption	$175,100 (+10.89%) Land $16,600 Building $158,500	$175,100 (+10.89%) Land $16,600 Building $158,500
2024	$1,602.00	$157,900 (+16.62%) Land $16,400 Building $141,500	$157,900 (+16.62%) Land $16,400 Building $141,500
2022		$135,400 Land $18,400 Building $117,000	$135,400 Land $18,400 Building $117,000

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	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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	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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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