401 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 401 N Central Ave, Duluth, MN 55807

Property Summary

Property Type	Commercial
Details	11,631 sqft · built 1947
Lot Size	0.188 acres (8,183 sqft)
Owner	Company Name on Record
Tax Bill	$8,020 (2026)
Deeds & Mortgages	Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-4097-00030`

Property Details

APN / Parcel Number

Primary APN	`010-4097-00030`
Alternative APN	`994920`

Interior

Stories	2 Stories
Building Area	11,631 sqft Gross Area
1st Floor Area	7,405 sqft
Basement Area	7,305 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1985
Exterior Material	Stucco
Lot Area	8,183 sqft (0.188 acres)
Garage Area	4,800 sqft
Canopy	165 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Forced Air with A/C

Location & Zoning

Account Number	994920
Street Address	401 N CENTRAL AVE
City	DULUTH
State	MN
Zip	55807-2502
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 3 BLOCK 1 SERIAL #
Legal Subdivision	SPIRIT VALLEY DIV
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1000
Census Tract	3400

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	5064 REID RD, DULUTH, MN 55803-1118
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 18, 2015
Transfer Doc	00A1270440
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	DULUTH, MN 55807
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5064 REID RD, DULUTH, MN 55803-1118

Mortgage

Document Number	0001417319
Date	Jun 24, 2021
Instrument	1417319

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$8,020.00 (+2.32%)
2025	$7,838.00 (-0.94%)	$257,200 (+3.88%) Land $104,700 Building $152,500	$257,200 (+3.88%) Land $104,700 Building $152,500
2024	$7,912.00	$247,600 (+1.81%) Land $101,600 Building $146,000	$247,600 (+1.81%) Land $101,600 Building $146,000
2022		$243,200 Land $101,600 Building $141,600	$243,200 Land $101,600 Building $141,600

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

Flood

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	1 in force
Nearby Flood Claims	4 (1979–2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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

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	None beyond ember reach

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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20