328 103rd Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 328 103rd Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Lot Size	0.102 acres (4,478 sqft)
Owner	2 Individual Names on File
Tax Bill	$320 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2260-07580`

Property Details

APN / Parcel Number

Primary APN	`010-2260-07580`
Alternative APN	`17603`

Exterior

Exterior Material	Metal
Construction Type	Frame
Lot Area	4,478 sqft (0.102 acres)
Garage Area	672 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	17603
Street Address	328 103RD AVE W
City	DULUTH
State	MN
Zip	55808-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 SERIAL #
Legal Subdivision	HOME PARK DIV OF NEW DULUTH
Legal Block	99
Legal Lot Number	23
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3012
Census Tract	3800

Owner

328 103rd Ave W is owned and occupied by two individuals who acquired it in July 2024.

Source: St. Louis County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	328 103RD AVE W, DULUTH, MN 55808-2021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CREDIT UNION
Sep 3, 2026	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CREDIT UNION
Sep 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 2, 2024
Transfer Doc	0001081064
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 24, 2026
Property Address	328 103RD AVE W, DULUTH, MN 55808-2021
Document Number	0001541046
Instrument Date	Aug 26, 2026
Instrument	20261541046
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 103RD AVE W, DULUTH, MN 55808-2021

Mortgage

Document Number	0001541046,
Date	Sep 24, 2026
Instrument	20261541046

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 15, 2046

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 3, 2026
Property Address	328 103RD AVE W, DULUTH, MN 55808-2021
Document Number	0001105604
Instrument Date	Aug 26, 2026
Instrument	20261105604
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	NST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 103RD AVE W, DULUTH, MN 55808-2021

Mortgage

Document Number	0001105604,
Date	Sep 3, 2026
Instrument	20261105604

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 15, 2046

Interest

Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	328 103RD AVE W, DULUTH, MN 55808-2021
Document Number	00A1320934
Instrument Date	Sep 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	00A1320934
Date	Oct 27, 2017
Instrument	A1320934

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 26, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 328 103rd Ave W was $320 with a homeowner's exemption, up 11.9% from the year before.

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	$320.00 (+11.89%) Homeowner's exemption
2025	$286.00 Homeowner's exemption	$20,500 (+9.04%) Land $4,200 Building $16,300	$20,500 (+9.04%) Land $4,200 Building $16,300
2024		$18,800 Land $4,200 Building $14,600	$18,800 Land $4,200 Building $14,600
2022	$70.00	$4,700 Land $4,700	$4,700 Land $4,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 328 103rd Ave W in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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

Wildfire risk around 328 103rd Ave W is low, with a 0.01% annual chance of 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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