314 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 314 N Central Ave, Duluth, MN 55807

Property Summary

Property Type	Commercial
Details	5,750 sqft · built 1914
Lot Size	0.071 acres (3,123 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (Jun 2021)
Tax Bill	$3,958 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4470-01600`

Property Details

APN / Parcel Number

Primary APN	`010-4470-01600`
Alternative APN	`1126793`

Interior

Stories	2 Stories
Building Area	5,750 sqft Gross Area
1st Floor Area	2,875 sqft
Basement Area	2,875 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer
Lot Area	3,123 sqft (0.071 acres)
Storage Building	64 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1126793
Street Address	314 N CENTRAL AVE
City	DULUTH
State	MN
Zip	55807-2529
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 10 BLOCK 12 SERIAL #
Legal Subdivision	WEST DULUTH 1ST DIV
Legal Block	12
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2054
Census Tract	15800

Owner

Source: St. Louis County assessment roll, APN 010-4470-01600, as of August 17, 2026 · Last verified August 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 File
Mailing Address	629 N 40TH AVE W, DULUTH, MN 55807-1660
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Prior Sale	Sep 30, 2003 · Amount on Record
Deed Document Number	20211416845
Prior Transfer Date	Jan 01, 2003
Prior Transfer Doc	0000916353
Record Updated	Sep 20, 2026

June 2021: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	ST LOUIS MN
Recording Date	Jun 17, 2021
Property Address	314 N CENTRAL AVE, DULUTH, MN 55807-2529
Document Number	0001416845
Instrument Date	May 28, 2021
Instrument	1416845
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 N CENTRAL AVE, DULUTH, MN 55807-2529

Mortgage

Date	Jun 17, 2021

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	179 Months
Due	Apr 30, 2036

Interest

Rate	5%

Tax Assessment & Valuation

Source: St. Louis County assessment roll as of August 17, 2026 · Last verified August 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,958.00 (+2.97%)
2025	$3,844.00 (+1.21%)	$185,400 (+4.27%) Land $51,500 Building $133,900	$185,400 (+4.27%) Land $51,500 Building $133,900
2024	$3,798.00 (-6.13%)	$177,800 (+2.83%) Land $49,900 Building $127,900	$177,800 (+2.83%) Land $49,900 Building $127,900
2023	$4,046.00
2022		$172,900 (+26.3%) Land $50,000 Building $122,900	$172,900 (+26.3%) Land $50,000 Building $122,900
2021		$136,900 Land $41,500 Building $95,400	$136,900 Land $41,500 Building $95,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370158002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, 386 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1690011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Duluth serves 86,859 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.