St. Louis County property record for 312 N Central Ave, Duluth, MN 55807
| Property Type | Commercial |
|---|---|
| Details | 3,205 sqft · built 1923 |
| Lot Size | 0.286 acres (12,491 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $8,588 (2026) |
| Deeds & Mortgages | May 2021 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4470-01610 |
| Primary APN | 010-4470-01610 |
|---|---|
| Alternative APN |
|
| Units | 5 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 3,205 sqft Gross Area |
| 1st Floor Area | 3,205 sqft |
| Basement Area | 3,125 sqft |
| Flooring | Carpet |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Brick Veneer |
| Lot Area | 12,491 sqft (0.286 acres) |
| Garage Area | 8,900 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Gas |
| Account Number | 1085952 |
|---|---|
| Street Address | 312 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-2506 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOTS 11 THRU 14 SERIAL # |
| Legal Subdivision | WEST DULUTH 1ST DIV |
| Legal Block | 12 |
| Legal Lot Number | 11-14 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 15800 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 1720 W SUPERIOR ST, DULUTH, MN 55806-2137 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST |
| May 24, 2021 | Deed of Trust, Mortgage FRANDSEN BANK & TRUST |
| Sep 10, 2019 | Grant Deed, Transfer · Line of Credit REPUBLIC BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 312 N CENTRAL AVE, DULUTH, MN 55807-2506 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001415099 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 1415099 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 17, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 312 N CENTRAL AVE, DULUTH, MN 55807-2506 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001041129 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 1041129 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | May 17, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 10, 2019 |
| Property Address | 312 N CENTRAL AVE, DULUTH, MN 55807-2506 |
| Document Number | 00A1362942 |
| Instrument Date | Aug 30, 2019 |
| Instrument | A1362942 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2019 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $962.78 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 312 N CENTRAL AVE DULUTH MN 558072506, DULUTH, MN 55807-2506 |
| Document Number | A1362943 |
|---|---|
| Date | Sep 10, 2019 |
| Instrument | A1362943 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Sep 9, 2026 |
| Rate Type | Adjustable Rate |
|---|
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 | $8,588.00 (+2.63%) | ||
| 2025 | $8,368.00 (-2.81%) | $332,600 (+3.71%) Land $175,700 Building $156,900 | $332,600 (+3.71%) Land $175,700 Building $156,900 |
| 2024 | $8,610.00 | $320,700 (-2.26%) Land $170,400 Building $150,300 | $320,700 (-2.26%) Land $170,400 Building $150,300 |
| 2022 | $328,100 Land $170,600 Building $157,500 | $328,100 Land $170,600 Building $157,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 2 (1988–2012) |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
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.
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 | 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 386 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 |
| AT&T Fixed Wireless | 100 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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