3239 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 3239 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 1906
Lot Size	0.114 acres (5,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$830,000 (Apr 2026)
Tax Bill	$9,060 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3100-01420`

Property Details

APN / Parcel Number

Primary APN	`010-3100-01420`
Alternative APNs	`1195792` `995312`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,408 sqft Gross Area
1st Floor Area	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	5,001 sqft (0.114 acres)
Garage Area	720 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	72 sqft
Deck Area	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1195792
Street Address	3239 S LAKE AVE
City	DULUTH
State	MN
Zip	55802-2508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC 10 FT OF VAC 33RD ST ADJ SERIAL #
Legal Subdivision	LOWER DULUTH LAKE AVE
Legal Lot Number	279
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	2200

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	2 Individual Names on Record
Mailing Address	1297 S SEDONA CIR, ONEIDA, WI 54155-8658
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Warranty Deed, Transfer · Conventional Mortgage FOX COMMUNITIES CREDIT UNION
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/CMRC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	Sep 1, 2015 · Amount on Record
Deed Document Number	20261100123
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 1, 2026
Property Address	3239 S LAKE AVE, DULUTH, MN 55802-2508
Document Number	0001100123
Instrument Date	Feb 27, 2026
Instrument	20261100123
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276,639.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1297 S SEDONA CIR, ONEIDA, WI 54155-8658

Mortgage

Document Number	0001100124,
Date	Apr 1, 2026
Instrument	20261100124

Lender

Name	FOX COMMUNITIES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3239 S LAKE AVE, DULUTH, MN 55802-2508
Document Number	00T1026821
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	RESULTS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3239 S LAKE AVE DULUTH MN 558022508, DULUTH, MN 55802-2508

Mortgage

Document Number	00T1026821
Date	Aug 3, 2020
Instrument	T1026821

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

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	$9,060.00 (+3.17%) Homeowner's exemption
2025	$8,782.00 (+1.86%) Homeowner's exemption	$648,400 (+5.33%) Land $182,700 Building $465,700	$648,400 (+5.33%) Land $182,700 Building $465,700
2024	$8,622.00	$615,600 (+23.79%) Land $270,300 Building $345,300	$615,600 (+23.79%) Land $270,300 Building $345,300
2022		$497,300 Land $130,800 Building $366,500	$497,300 Land $130,800 Building $366,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1986–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 3 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	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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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