402 98th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 402 98th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,504 sqft · built 1940
Lot Size	0.241 acres (10,504 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Sep 2020)
Tax Bill	$3,650 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3430-06490`

Property Details

APN / Parcel Number

Primary APN	`010-3430-06490`
Alternative APN	`1097004`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,504 sqft Gross Area
1st Floor Area	761 sqft
Basement Area	527 sqft
Finished Basement	527 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Lot Area	10,504 sqft (0.241 acres)
Garage Area	976 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	20 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1097004
Street Address	402 98TH AVE W
City	DULUTH
State	MN
Zip	55808-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 17 THRU 19 SERIAL #
Legal Subdivision	NEW DULUTH FIRST DIVISION
Legal Block	20
Legal Lot Number	17-19
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2024
Census Tract	3800

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	Individual Name on Record
Mailing Address	402 98TH AVE W, DULUTH, MN 55808-2009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Sep 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 30, 2020	Warranty Deed, Transfer MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	Jun 15, 2011 · Amount on Record
Deed Document Number	20201391677
Prior Transfer Date	May 27, 2011
Prior Transfer Doc	0000063151
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	402 98TH AVE W, DULUTH, MN 55808-2009
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 98TH AVE W, DULUTH, MN 55808-2009

Mortgage

Document Number	0001472988
Date	Aug 29, 2023
Instrument	1472988

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 21, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.24%
Type Change Date	Aug 21, 2026
Change Frequency	Annually
Min Rate At Change	6.24%
Max Rate At Change	8.24%
Index	Prime Rate
Max Rate	12.2%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	402 98TH AVE W, DULUTH, MN 55808-2009
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001339860
Date	Sep 4, 2018
Instrument	1339860

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 30, 2020
Property Address	402 98TH AVE W, DULUTH, MN 55808-2009
Document Number	00A1391677
Instrument Date	Sep 25, 2020
Instrument	A1391677
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$657.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	402 98TH AVE W DULUTH MN 558082009, DULUTH, MN 55808-2009

Mortgage

Document Number	A1391678
Date	Sep 30, 2020
Instrument	A1391678

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%

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	$3,650.00 (+13.71%) Homeowner's exemption
2025	$3,210.00 (-4.18%) Homeowner's exemption	$280,800 (+10.38%) Land $19,900 Building $260,900	$280,800 (+10.38%) Land $19,900 Building $260,900
2024	$3,350.00	$254,400 (+8.81%) Land $19,600 Building $234,800	$254,400 (+8.81%) Land $19,600 Building $234,800
2022		$233,800 Land $22,100 Building $211,700	$233,800 Land $22,100 Building $211,700

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	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

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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