St. Louis County property record for 319 Terrace St, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,008 sqft · built 1976 |
| Lot Size | 0.302 acres (13,161 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,530 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2195-00532 |
| Primary APN | 010-2195-00532 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Gross Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 134 sqft |
| Finished Basement | 134 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 13,161 sqft (0.302 acres) |
| Garage Area | 624 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 240 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1107540 |
|---|---|
| Street Address | 319 TERRACE ST |
| City | DULUTH |
| State | MN |
| Zip | 55811-4612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF LOT A BEG AT SE COR THENCE W152.57 FT THENCE N 125 FT THENCE E 58FT TO E LINE OF LOT THENCE SELY TO PTOF BEG SERIAL # |
| Legal Subdivision | HIGHLAND HILLS SUB DULUTH |
| Legal Lot Number | A |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 302 |
319 Terrace St is owned and occupied by an individual who acquired it in February 2021.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 319 TERRACE ST, DULUTH, MN 55811-4612 |
| 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 Transfer Date | Feb 1, 2021 |
| Transfer Doc | 0001039453 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 319 Terrace St was $3,530 with a homeowner's exemption, up 10.2% 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 | $3,530.00 (+10.24%) Homeowner's exemption | ||
| 2025 | $3,202.00 (-13.22%) Homeowner's exemption | $258,500 (+1.81%) Land $55,300 Building $203,200 | $258,500 (+1.81%) Land $55,300 Building $203,200 |
| 2024 | $3,690.00 | $253,900 Land $45,700 Building $208,200 | $253,900 Land $45,700 Building $208,200 |
| 2022 | $235,500 Land $43,800 Building $191,700 | $235,500 Land $43,800 Building $191,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 319 Terrace St in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 319 Terrace 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 98% of the US · lower than 92% 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 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
May also be available: T-Mobile.
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