401 98th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 401 98th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,776 sqft · built 1924
Lot Size	0.16 acres (7,003 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Aug 2023)
Tax Bill	$3,660 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3430-06800`

Property Details

APN / Parcel Number

Primary APN	`010-3430-06800`
Alternative APNs	`1180420` `1069661` `94313`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,776 sqft Gross Area
1st Floor Area	1,020 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,003 sqft (0.16 acres)
Garage Area	1,008 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1180420
Street Address	401 98TH AVE W
City	DULUTH
State	MN
Zip	55808-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13, 14, 15 AND 16, BLOCK 21 SERIAL #
Legal Subdivision	NEW DULUTH 1ST DIV
Legal Block	21
Legal Lot Number	13-15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2030
Census Tract	3800

Owner

401 98th Ave W is owned and occupied by an individual who bought it in August 2023.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	401 98TH AVE W, DULUTH, MN 55808-2010
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Warranty Deed, Transfer · Conventional Mortgage REGENT FINANCIAL GROUP INC
Jul 21, 2023	Affidavit of Death of Joint Tenant, Transfer
Jul 24, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2023 · Amount on File
Deed Sale	Aug 24, 2023 · Amount on File
Deed Document Number	20231472709
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2023
Property Address	401 98TH AVE W, DULUTH, MN 55808-2010
Document Number	0001472709
Instrument Date	Aug 17, 2023
Instrument	1472709
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 BARKER DR, DULUTH, MN 55808-1966

Mortgage

Document Number	0001472710
Date	Aug 24, 2023
Instrument	1472710

Lender

Name	REGENT FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Jul 21, 2023
Property Address	401 98TH AVE W, DULUTH, MN 55808-2010
Document Number	0001470470
Instrument Date	Jul 19, 2023
Instrument	1470470
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	W128 SLIM LAKE RD, STONE LAKE, WI 54876-8779

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 24, 2023
Property Address	401 98TH AVE W, DULUTH, MN 55808-2010
Document Number	0001470599
Instrument Date	Jul 19, 2023
Instrument	1470599
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	W128 SLIM LAKE RD, STONE LAKE, WI 54876-8779

Tax Assessment & Valuation

The 2026 property tax bill for 401 98th Ave W was $3,660 with a homeowner's exemption, up 25.1% 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	$3,660.00 (+25.09%) Homeowner's exemption
2025	$2,926.00 (-1.35%) Homeowner's exemption	$281,400 (+19.69%) Land $23,200 Building $258,200	$281,400 (+19.69%) Land $23,200 Building $258,200
2024	$2,966.00 (+2.77%)	$235,100 Land $22,800 Building $212,300	$235,100 Land $22,800 Building $212,300
2023	$2,886.00 Homeowner's exemption
2022		$207,600 (+16.69%) Land $18,200 Building $189,400	$207,600 (+16.69%) Land $18,200 Building $189,400
2021		$177,900 Land $15,600 Building $162,300	$177,900 Land $15,600 Building $162,300

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

Flood

FEMA maps place 401 98th Ave W in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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

Wildfire risk around 401 98th 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	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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