St. Louis County property record for 325 Howtz St, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,530 sqft · built 1970 |
| Lot Size | 0.224 acres (9,787 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,890 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2290-00475 |
| Primary APN | 010-2290-00475 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,530 sqft Gross Area |
| 1st Floor Area | 1,530 sqft |
| Basement Area | 761 sqft |
| Finished Basement | 761 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 9,787 sqft (0.224 acres) |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 81 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 558996 |
|---|---|
| Street Address | 325 HOWTZ ST |
| City | DULUTH |
| State | MN |
| Zip | 55811-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WLY 24 FT OF LOT 9 AND ELY 46 FT OF LOT10 SERIAL # |
| Legal Subdivision | HOMEWOOD GARDEN TRACTS DULUTH |
| Legal Block | 4 |
| Legal Lot Number | 9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 900 |
Source: St. Louis County records, as of September 28, 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 | 325 HOWTZ ST, DULUTH, MN 55811-2110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 25, 2025 |
| Transfer Doc | 0001094814 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 325 HOWTZ ST, DULUTH, MN 55811-2110 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 325 HOWTZ ST, DULUTH, MN 55811-2110 |
| Document Number | 0001094146 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 1094146 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,890.00 (+10.92%) Homeowner's exemption | ||
| 2025 | $5,310.00 (-1.08%) Homeowner's exemption | $447,400 (+12.78%) Land $59,200 Building $388,200 | $447,400 (+12.78%) Land $59,200 Building $388,200 |
| 2024 | $5,368.00 | $396,700 (+12.13%) Land $52,300 Building $344,400 | $396,700 (+12.13%) Land $52,300 Building $344,400 |
| 2022 | $353,800 Land $48,700 Building $305,100 | $353,800 Land $48,700 Building $305,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 108 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 |
| Starlink Satellite | 280 / 30 |
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