St. Louis County property record for 321 S 57th Ave W, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,239 sqft · built 2003 |
| Lot Size | 0.2 acres (8,751 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Oct 2021) |
| Tax Bill | $4,992 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4480-01670 |
| Primary APN | 010-4480-01670 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,239 sqft Gross Area |
| 1st Floor Area | 1,239 sqft |
| Basement Area | 929 sqft |
| Finished Basement | 929 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 8,751 sqft (0.2 acres) |
| Garage Area | 788 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 156 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1118869 |
|---|---|
| Street Address | 321 S 57TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55807-2347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 10 11 & 12 EX S 5 FT OF LOT 12 SERIAL # |
| Legal Subdivision | WEST DULUTH 2ND DIV |
| Legal Block | 71 |
| Legal Lot Number | 10-12 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 3400 |
321 S 57th Ave W is owned and occupied by an individual who bought it in October 2021.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 S 57TH AVE W, DULUTH, MN 55807-2347 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Oct 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 12, 2021 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2021 · Amount on File |
| Deed Sale | Oct 12, 2021 · Amount on File |
| Prior Sale | Nov 7, 2005 · Amount on File |
| Deed Document Number | 20211048115 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 10, 2026 |
| Property Address | 321 S 57TH AVE W, DULUTH, MN 55807-2347 |
| Document Number | 0001102352 |
| Instrument Date | May 5, 2026 |
| Instrument | 20261102352 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 321 S 57TH AVE W, DULUTH, MN 55807-2347 |
| Document Number | 0001102352, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 20261102352 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 305 Months |
| Due | Nov 1, 2051 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 321 S 57TH AVE W, DULUTH, MN 55807-2347 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 321 S 57TH AVE W, DULUTH, MN 55807-2347 |
| Document Number | 0001073233 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 1073233 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 12, 2021 |
| Property Address | 321 S 57TH AVE W, DULUTH, MN 55807-2347 |
| Document Number | 0001048115 |
| Instrument Date | Oct 5, 2021 |
| Instrument | 1048115 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2021 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 321 S 57TH AVE W, DULUTH, MN 55807-2347 |
| Document Number | 0001048116 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 1048116 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2026 property tax bill for 321 S 57th Ave W was $4,992, up 7.2% 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 | $4,992.00 (+7.22%) | ||
| 2025 | $4,656.00 (+3.01%) | $402,700 (+18.72%) Land $19,600 Building $383,100 | $402,700 (+18.72%) Land $19,600 Building $383,100 |
| 2024 | $4,520.00 | $339,200 Land $18,000 Building $321,200 | $339,200 Land $18,000 Building $321,200 |
| 2022 | $252,100 Land $19,000 Building $233,100 | $252,100 Land $19,000 Building $233,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 S 57th Ave W in Zone X, an area of minimal flood risk.
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 | 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 321 S 57th 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 | 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 365 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 |
| Airfiber Fixed Wireless | 100 / 20 |
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