St. Louis County property record for 403 N Central Ave, Duluth, MN 55807
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 11,631 sqft · built 1947 |
| Lot Size | 0.196 acres (8,554 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $9,484 (2026) |
| Deeds & Mortgages | Jun 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4470-01070 |
| Primary APN | 010-4470-01070 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 11,631 sqft Gross Area |
| 1st Floor Area | 7,405 sqft |
| Basement Area | 7,305 sqft |
| Unfinished Basement | 7,305 sqft |
| Flooring | Carpet |
| Fire Sprinklers | Fire Sprinklers |
| Elevator | Elevator |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick Veneer |
| Lot Area | 8,554 sqft (0.196 acres) |
| Lot Dimensions | 91 ft deep x 94 ft wide |
| Canopy | 165 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 994920 |
|---|---|
| Street Address | 403 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-2502 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | C2 |
| Legal Description | LOTS 15 AND 16 SERIAL # |
| Legal Subdivision | WEST DULUTH FIRST DIVISION |
| Legal Block | 7 |
| Legal Lot Number | 15-16 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 3400 |
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 |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 28, 2015 |
| Transfer Doc | 00A1268670 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 403 N CENTRAL AVE, DULUTH, MN 55807-2502 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001417319 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 1417319 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $9,484.00 (+4.98%) | ||
| 2025 | $9,034.00 (+14.5%) | $498,900 (+7.38%) Land $71,200 Building $427,700 | $498,900 (+7.38%) Land $71,200 Building $427,700 |
| 2024 | $7,890.00 | $464,600 (+16.06%) Land $66,600 Building $398,000 | $464,600 (+16.06%) Land $66,600 Building $398,000 |
| 2022 | $400,300 Land $57,300 Building $343,000 | $400,300 Land $57,300 Building $343,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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 |
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