340 E Owatonna St, Duluth, MN 55803 Property Records

St. Louis County property record for 340 E Owatonna St, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,332 sqft · built 1990
Lot Size	0.427 acres (18,632 sqft)
Owner	Individual Name on File
Tax Bill	$7,928 (2026)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-4710-00470`

Property Details

APN / Parcel Number

Primary APN	`010-4710-00470`
Alternative APN	`78227`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,332 sqft Gross Area
1st Floor Area	1,344 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	18,632 sqft (0.427 acres)
Garage Area	768 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	72 sqft
Deck Area	384 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	78227
Street Address	340 E OWATONNA ST
City	DULUTH
State	MN
Zip	55803-1859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EX N 13 FT FOR ST SERIAL #
Legal Subdivision	WOODLAND PARK 8TH DIV 1ST REAR
Legal Block	5
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1000
Census Tract	100

Owner

Source: St. Louis County records · APN 010-4710-00470

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	340 E OWATONNA ST, DULUTH, MN 55803-1859
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	340 E OWATONNA ST, DULUTH, MN 55803-1859
Document Number	000T981554
Instrument Date	Jan 04, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	SOUTHWEST FINANCIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	340 E OWATONNA ST DULUTH MN 558031859, DULUTH, MN 55803-1859

Mortgage

Document Number	000T981554
Date	Jan 31, 2017
Instrument	T981554

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,928.00 (+17.77%) Homeowner's exemption
2025	$6,732.00 (+5.09%) Homeowner's exemption	$599,500 (+21.55%) Land $49,400 Building $550,100	$599,500 (+21.55%) Land $49,400 Building $550,100
2024	$6,406.00	$493,200 (+17.26%) Land $51,800 Building $441,400	$493,200 (+17.26%) Land $51,800 Building $441,400
2022		$420,600 Land $60,000 Building $360,600	$420,600 Land $60,000 Building $360,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 6% of the US · above 20% of Minnesota
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 142 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.