323 103rd Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 323 103rd Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1952
Lot Size	0.19 acres (8,295 sqft)
Owner	Individual Name on Record
Tax Bill	$2,274 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-2260-07620`

Property Details

APN / Parcel Number

Primary APN	`010-2260-07620`
Alternative APN	`28107`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	960 sqft
Basement Area	480 sqft
Finished Basement	480 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,295 sqft (0.19 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	120 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	28107
Street Address	323 103RD AVE W
City	DULUTH
State	MN
Zip	55808-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2 SERIAL #
Legal Subdivision	HOME PARK DIVISION OF NEW DULUTH
Legal Block	100
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	3800

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	Individual Name on Record
Mailing Address	323 103RD AVE W, DULUTH, MN 55808-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage M&T BK
Sep 11, 2017	Deed of Trust, Mortgage · Line of Credit HARBOR PT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2010
Deed Sale	Apr 14, 2010
Deed Document Number	2010883331
Prior Transfer Date	Mar 29, 2010
Prior Transfer Doc	0000883331
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	323 103RD AVE W, DULUTH, MN 55808-2022
Document Number	00T1017824
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	WORLDWIDE RECORDING INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	323 103RD AVE W DULUTH MN 558082022, DULUTH, MN 55808-2022

Mortgage

Document Number	00T1017824
Date	Nov 22, 2019
Instrument	T1017824

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 21, 2034

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	323 103RD AVE W, DULUTH, MN 55808-2022
Document Number	000T989780
Instrument Date	Sep 11, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	323 103RD AVE W DULUTH MN 558082022, DULUTH, MN 55808-2022

Mortgage

Document Number	000T989780
Date	Sep 15, 2017
Instrument	T989780

Lender

Name	HARBOR PT CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 14, 2027

Interest

Rate Type	Adjustable Rate

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	$2,274.00 (+15.2%) Homeowner's exemption
2025	$1,974.00 (-5.82%) Homeowner's exemption	$187,000 (+10.85%) Land $17,800 Building $169,200	$187,000 (+10.85%) Land $17,800 Building $169,200
2024	$2,096.00	$168,700 (+1.69%) Land $17,500 Building $151,200	$168,700 (+1.69%) Land $17,500 Building $151,200
2022		$165,900 Land $19,800 Building $146,100	$165,900 Land $19,800 Building $146,100

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	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

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	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 372 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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