St. Louis County property record for 318 Howtz St, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.25 ba · 1,346 sqft · built 1972 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,454 (2026) |
| Deeds & Mortgages | Oct 2019 Line of Credit Oct 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2290-00720 |
| Primary APN | 010-2290-00720 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,346 sqft Gross Area |
| 1st Floor Area | 1,346 sqft |
| Basement Area | 1,009 sqft |
| Finished Basement | 1,009 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 13,983 sqft (0.321 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 48 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 20146 |
|---|---|
| Street Address | 318 HOWTZ ST |
| City | DULUTH |
| State | MN |
| Zip | 55811-2111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0004 BLOCK:007 SERIAL # |
| Legal Subdivision | HOMEWOOD GARDEN TRACTS DULUTH |
| Legal Block | 7 |
| Legal Lot Number | 4 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 900 |
318 Howtz St is owned and occupied by an individual.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 318 HOWTZ ST, DULUTH, MN 55811-2111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 18, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Oct 18, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 318 HOWTZ ST, DULUTH, MN 55811-2111 |
| Document Number | 00T1017432 |
| Instrument Date | Oct 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2638 GOLF COURSE DR SARASOTA FL 342344906, SARASOTA, FL 34234-4906 |
| Document Number | 00T1017432 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | T1017432 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 12, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 318 HOWTZ ST, DULUTH, MN 55811-2111 |
| Document Number | 00T1017488 |
| Instrument Date | Oct 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2638 GOLF COURSE DR SARASOTA FL 342344906, SARASOTA, FL 34234-4906 |
| Document Number | 00T1017488 |
|---|---|
| Date | Nov 14, 2019 |
| Instrument | T1017488 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 13, 2039 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 318 Howtz St was $5,454, up 10.1% 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 | $5,454.00 (+10.14%) | ||
| 2025 | $4,952.00 (+0.45%) | $438,900 (+21.61%) Land $71,500 Building $367,400 | $438,900 (+21.61%) Land $71,500 Building $367,400 |
| 2024 | $4,930.00 | $360,900 Land $69,300 Building $291,600 | $360,900 Land $69,300 Building $291,600 |
| 2022 | $322,700 Land $64,600 Building $258,100 | $322,700 Land $64,600 Building $258,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 Howtz St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.
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 Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes |
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 318 Howtz 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 96% of the US · lower than 86% 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 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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