323 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 323 N Central Ave, Duluth, MN 55807

Property Summary

Property Type	Commercial
Details	4,180 sqft · built 1913
Lot Size	0.126 acres (5,500 sqft)
Owner	Company Name on Record
Last Sale	$270,000 (Mar 2022)
Tax Bill	$8,944 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4470-01390`

Property Details

APN / Parcel Number

Primary APN	`010-4470-01390`
Alternative APN	`1127922`

Interior

Stories	1 Story
Building Area	4,180 sqft Gross Area
1st Floor Area	4,180 sqft
Basement Area	4,000 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1990
Exterior Material	Stucco
Lot Area	5,500 sqft (0.126 acres)
Garage Area	1,700 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	1127922
Street Address	323 N CENTRAL AVE
City	DULUTH
State	MN
Zip	55807-2501
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 4 EX NLY 6 INCHES AND ALL OF LOT 5 SERIAL #
Legal Subdivision	WEST DULUTH FIRST FIVISION
Legal Block	11
Legal Lot Number	4-5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1002
Census Tract	3400

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	1346 W ARROWHEAD RD PMB # 113 # 113, 113, DULUTH, MN 55811
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2022 · Amount on Record
Deed Sale	Mar 29, 2022 · Amount on Record
Prior Sale	Nov 6, 2008 · Amount on Record
Deed Document Number	20221439995
Prior Transfer Date	Jul 6, 2005
Prior Transfer Doc	0001000988
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 29, 2022
Property Address	323 N CENTRAL AVE, DULUTH, MN 55807-2501
Document Number	0001439995
Instrument Date	Mar 25, 2022
Instrument	1439995
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$891.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1346 W ARROWHEAL RD #113 # 113, 113, DULUTH, MN 55811-2218

Mortgage

Document Number	0001439996
Date	Mar 29, 2022
Instrument	1439996

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$8,944.00 (+2.59%)
2025	$8,718.00 (-2.79%)	$345,500 (+4.16%) Land $102,000 Building $243,500	$345,500 (+4.16%) Land $102,000 Building $243,500
2024	$8,968.00 (+6.05%)	$331,700 (+10.9%) Land $98,900 Building $232,800	$331,700 (+10.9%) Land $98,900 Building $232,800
2023	$8,456.00
2022		$299,100 (+19.93%) Land $98,900 Building $200,200	$299,100 (+19.93%) Land $98,900 Building $200,200
2021		$249,400 Land $82,200 Building $167,200	$249,400 Land $82,200 Building $167,200

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	4 (1979–2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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	None beyond 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 386 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
AT&T Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20