321 N 78th Ave W, Duluth, MN 55807 Property Records

St. Louis County property record for 321 N 78th Ave W, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,204 sqft · built 1941
Lot Size	0.206 acres (9,005 sqft)
Owner	Individual Name on File
Tax Bill	$3,068 (2026)
Deeds & Mortgages	May 2020 Mortgage Mar 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3510-07360`

Property Details

APN / Parcel Number

Primary APN	`010-3510-07360`
Alternative APN	`17599`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,204 sqft Gross Area
1st Floor Area	892 sqft
Basement Area	445 sqft
Finished Basement	445 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1995
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	9,005 sqft (0.206 acres)
Garage Area	308 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	168 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	17599
Street Address	321 N 78TH AVE W
City	DULUTH
State	MN
Zip	55807-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 12 13 AND 14 SERIAL #
Legal Subdivision	NORTONS FAIRMOUNT PARK DIV OF
Legal Block	29
Legal Lot Number	12-13
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1006
Census Tract	3600

Owner

321 N 78th Ave W 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	321 N 78TH AVE W, DULUTH, MN 55807-1718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MTG CORP
Mar 20, 2020	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK
Aug 4, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	321 N 78TH AVE W, DULUTH, MN 55807-1718
Document Number	00A1379693
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	321 N 78TH AVE W DULUTH MN 558071718, DULUTH, MN 55807-1718

Mortgage

Document Number	00A1379693
Date	May 13, 2020
Instrument	A1379693

Lender

Name	SUMMIT MTG CORP
Address	PLYMOUTH, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 12, 2035

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	321 N 78TH AVE W, DULUTH, MN 55807-1718
Document Number	00A1378008
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	321 N 78TH AVE W DULUTH MN 558071718, DULUTH, MN 55807-1718

Mortgage

Document Number	00A1378008
Date	Apr 23, 2020
Instrument	A1378008

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	321 N 78TH AVE W, DULUTH, MN 55807-1718
Document Number	00A1338795
Instrument Date	Aug 4, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	321 N 78TH AVE W DULUTH MN 558071718, DULUTH, MN 55807-1718

Mortgage

Document Number	00A1338795
Date	Aug 17, 2018
Instrument	A1338795

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 321 N 78th Ave W was $3,068 with a homeowner's exemption, up 7.9% from the year before.

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	$3,068.00 (+7.88%) Homeowner's exemption
2025	$2,844.00 (-0.14%) Homeowner's exemption	$272,000 (+18.47%) Land $19,000 Building $253,000	$272,000 (+18.47%) Land $19,000 Building $253,000
2024	$2,848.00	$229,600 Land $17,500 Building $212,100	$229,600 Land $17,500 Building $212,100
2022		$205,600 Land $19,900 Building $185,700	$205,600 Land $19,900 Building $185,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 321 N 78th Ave W in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 321 N 78th Ave W is low, with 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 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 259 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
Airfiber Fixed Wireless	100 / 20

May also be available: Verizon.

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