St. Louis County property record for 38 Cato Ave, Duluth, MN 55808
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 4 bd · 2 ba · 1,638 sqft · built 1917 |
| Lot Size | 0.138 acres (6,032 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Jul 2014) |
| Tax Bill | $2,670 (2026) |
| Deeds & Mortgages | Oct 2026 Line of Credit Dec 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3970-01320 |
| Primary APN | 010-3970-01320 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 1,638 sqft Gross Area |
| 1st Floor Area | 936 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Duplex Single |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 6,032 sqft (0.138 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 140 sqft |
| Deck Area | 624 sqft |
| Storage Building | 24 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 973501 |
|---|---|
| Street Address | 38 CATO AVE |
| City | DULUTH |
| State | MN |
| Zip | 55808-1110 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Legal Description | LOT: 0008 BLOCK:012 SERIAL # |
| Legal Subdivision | RIVERSIDE |
| Legal Block | 12 |
| Legal Lot Number | 8 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 3600 |
38 Cato Ave, a residential property, is owned by an individual who bought it in July 2014.
Source: St. Louis County records, as of October 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 35 ENGLAND AVE, DULUTH, MN 55808-1153 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 1, 2026 | Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CREDIT UNION |
| Dec 22, 2021 | Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU |
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2014 · Amount on File |
| Deed Sale | Jul 28, 2014 · Amount on File |
| Prior Sale | Sep 5, 2003 · Amount on File |
| Deed Document Number | 2014946989 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 1, 2026 |
| Property Address | 38 CATO AVE, DULUTH, MN 55808-1110 |
| Document Number | 0001106563 |
| Instrument Date | Sep 21, 2026 |
| Instrument | 20261106563 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 38 CATO AVE, DULUTH, MN 55808-1110 |
| Document Number | 0001106563, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 20261106563 |
| Name | MEMBERS COOPERATIVE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 15, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 38 CATO AVE, DULUTH, MN 55808-1110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001051299 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 1051299 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 15, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 38 CATO AVE, DULUTH, MN 55808-1110 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001047499 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 1047499 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2026 property tax bill for 38 Cato Ave was $2,670, up 35.1% from the year before.
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 | $2,670.00 (+35.12%) | ||
| 2025 | $1,976.00 (+1.02%) Homeowner's exemption | $166,700 (+5.64%) Land $13,200 Building $153,500 | $166,700 (+5.64%) Land $13,200 Building $153,500 |
| 2024 | $1,956.00 | $157,800 Land $15,500 Building $142,300 | $157,800 Land $15,500 Building $142,300 |
| 2022 | $128,000 Land $14,700 Building $113,300 | $128,000 Land $14,700 Building $113,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Cato Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 38 Cato Ave 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 | 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.
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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures