322 N 21st Ave E, Duluth, MN 55812 Property Records

St. Louis County property record for 322 N 21st Ave E, Duluth, MN 55812

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 3 ba · 3,191 sqft · built 1917
Lot Size	0.08 acres (3,514 sqft)
Owner	Company Name on Record
Last Sale	$149,900 (Nov 2014)
Tax Bill	$6,170 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-2200-00520`

Property Details

APN / Parcel Number

Primary APN	`010-2200-00520`
Alternative APN	`1108425`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,191 sqft Gross Area
1st Floor Area	1,283 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Duplex Single
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Lot Area	3,514 sqft (0.08 acres)
Garage Area	440 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1108425
Street Address	322 N 21ST AVE E
City	DULUTH
State	MN
Zip	55812-5501
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	NLY 35 FT OF SLY 70 FT OF LOTS 1 AND 2 SERIAL #
Legal Subdivision	HIGHLAND PARK ADDITION
Legal Block	6
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1016
Census Tract	1100

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4801 COOKE ST, DULUTH, MN 55804-2461
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Nov 9, 2021	Deed of Trust, Mortgage NORTH SHORE BANK OF COMMERCE
May 6, 2021	Intrafamily Transfer, Transfer
Aug 24, 2018	Quit Claim Deed, Mortgage · Conventional with PMI AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2014 · Amount on Record
Deed Sale	Nov 18, 2014 · Amount on Record
Deed Document Number	20141249954
Last Transfer Date	Apr 15, 2021
Transfer Doc	0001413077
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	322 N 21ST AVE E, DULUTH, MN 55812-5501
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 COOKE ST, DULUTH, MN 55804-2461

Mortgage

Document Number	0001430327
Date	Nov 18, 2021
Instrument	1430327

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	322 N 21ST AVE E, DULUTH, MN 55812-5501
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 COOKE ST, DULUTH, MN 55804-2461

Mortgage

Document Number	0001049262
Date	Nov 9, 2021
Instrument	1049262

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55816

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	May 6, 2021
Property Address	322 N 21ST AVE E, DULUTH, MN 55812-5501
Document Number	0001413077
Instrument Date	Apr 15, 2021
Instrument	1413077
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 COOKE ST, DULUTH, MN 55804-2461

August 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2018
Property Address	322 N 21ST AVE E, DULUTH, MN 55812-1843
Document Number	00A1339321
Instrument Date	Aug 17, 2018
Instrument	A1339321
Transaction Type	Mortgage
Record Updated	Sep 7, 2018
Title Company	AFFINITY PLUS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	322 N 21ST AVE E DULUTH MN 558121843, DULUTH, MN 55812-1843

Mortgage

Document Number	A1339322
Date	Aug 24, 2018
Instrument	A1339322

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	ST PAUL, MN 55107

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Aug 23, 2038

Tax Assessment & Valuation

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	$6,170.00 (+7.64%)
2025	$5,732.00 (+0.6%)	$373,200 (+9.31%) Land $39,000 Building $334,200	$373,200 (+9.31%) Land $39,000 Building $334,200
2024	$5,698.00	$341,400 (+17.68%) Land $22,700 Building $318,700	$341,400 (+17.68%) Land $22,700 Building $318,700
2022		$290,100 Land $19,900 Building $270,200	$290,100 Land $19,900 Building $270,200

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

Flood

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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	May 1979 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 596 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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