324 97th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 324 97th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 968 sqft · built 1890
Lot Size	0.16 acres (7,003 sqft)
Owner	Company Name on Record
Last Sale	$87,000 (Apr 2006)
Tax Bill	$1,152 (2026)
Deeds & Mortgages	Jun 2020 Loan Modification Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4040-00050`

Property Details

APN / Parcel Number

Primary APN	`010-4040-00050`
Alternative APN	`800907`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	968 sqft Gross Area
1st Floor Area	656 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1985
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,003 sqft (0.16 acres)
Garage Area	528 sqft
Pool Type	Spa / Hot Tub (No Pool)
Storage Building	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	800907
Street Address	324 97TH AVE W
City	DULUTH
State	MN
Zip	55808-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 AND 6 SERIAL #
Legal Subdivision	SMITHS ADD TO NEW DULUTH 1ST D
Legal Block	1
Legal Lot Number	5-6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2021
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	Company Name on Record
Mailing Address	324 97TH AVE W, DULUTH, MN 55808-2003
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Loan Modification, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Sep 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HOUSING SVCS OF DULUTH INC NEIGHBORHOOD HOUSING SVCS OF DULUTH INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2006 · Amount on Record
Deed Sale	Apr 18, 2006 · Amount on Record
Deed Document Number	20061015430
Prior Transfer Date	Jun 10, 2004
Prior Transfer Doc	0000960070
Record Updated	Sep 20, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	324 97TH AVE W, DULUTH, MN 55808-2003
Document Number	00A1385160
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	324 97TH AVE W DULUTH MN 558082003, DULUTH, MN 55808-2003

Mortgage

Document Number	00A1385160
Date	Jul 16, 2020
Instrument	A1385160

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	DULUTH, MN 55805

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 15, 2025

Interest

Rate	5.5%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	324 97TH AVE W, DULUTH, MN 55808-2003
Document Number	00A1360299
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 97TH AVE W DULUTH MN 558082003, DULUTH, MN 55808-2003

Mortgage

Document Number	00A1360299
Date	Aug 8, 2019
Instrument	A1360299

Lender

Name	NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Type	Bank
Address	DULUTH, MN 55805

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Aug 7, 2022

Interest

Rate	5%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	324 97TH AVE W, DULUTH, MN 55808-2003
Document Number	00A1317826
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 97TH AVE W DULUTH MN 558082003, DULUTH, MN 55808-2003

Mortgage

Document Number	00A1317826
Date	Sep 20, 2017
Instrument	A1317826

Lender

Name	NEIGHBORHOOD HOUSING SVCS OF DULUTH INC NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Type	Bank
Address	DULUTH, MN 55805

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 19, 2037

Interest

Rate	5.99%

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	$1,152.00 (+16.84%) Homeowner's exemption
2025	$986.00 (-34.53%) Homeowner's exemption	$144,900 (+10.53%) Land $16,600 Building $128,300	$144,900 (+10.53%) Land $16,600 Building $128,300
2024	$1,506.00	$131,100 (-1.65%) Land $16,400 Building $114,700	$131,100 (-1.65%) Land $16,400 Building $114,700
2022		$133,300 Land $18,500 Building $114,800	$133,300 Land $18,500 Building $114,800

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	27 units insured incl. 26 condo units
Nearby Flood Claims	4 (2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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