405 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 405 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Commercial
Details	4,469 sqft · built 1946
Lot Size	0.222 acres (9,682 sqft)
Owner	Company Name on File
Last Sale	$100,000 (Oct 2019)
Tax Bill	$17,954 (2026)
Deeds & Mortgages	Aug 2020 Sale & Line of Credit Oct 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4350-00610`

Property Details

APN / Parcel Number

Primary APN	`010-4350-00610`
Alternative APN	`1079191`

Interior

Stories	1 Story
Building Area	4,469 sqft Gross Area
1st Floor Area	4,469 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1987
Exterior Material	Concrete Block
Lot Area	9,682 sqft (0.222 acres)
Deck Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	1079191
Street Address	405 S LAKE AVE
City	DULUTH
State	MN
Zip	55802
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	E 88 FT OF LOTS 298 & 300 INC PART OF VAC STADJ LOT 300 SERIAL #
Legal Subdivision	LAKE AVENUE
Legal Lot Number	298,300
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1019
Census Tract	1900

Owner

405 S Lake Ave, a commercial property, is owned by a company that acquired it in July 2020.

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

Owner of Record	Company Name on File
Mailing Address	525 S LAKE AVE, DULUTH, MN 55802-2362
Owner Type	Company
Vesting	Company

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 12, 2020	Warranty Deed, Transfer · Line of Credit NATIONAL BK/CMRC
Oct 15, 2019	Grant Deed, Transfer ATTORNEY ONLY
Feb 10, 2017	Loan Modification, Mortgage REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2019 · Amount on File
Deed Sale	Oct 15, 2019 · Amount on File
Prior Sale	Oct 15, 2019 · Amount on File
Deed Document Number	20191365424
Last Transfer Date	Jul 20, 2020
Transfer Doc	0001027281
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 12, 2020
Property Address	405 S LAKE AVE, DULUTH, MN 55802
Document Number	00A1387698
Instrument Date	Jul 20, 2020
Instrument	A1387698
Transaction Type	Transfer
Record Updated	Sep 18, 2020
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	525 S LAKE AVE DULUTH MN 558022362, DULUTH, MN 55802-2362

Mortgage

Document Number	A1387699
Date	Aug 12, 2020
Instrument	A1387699

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 15, 2019
Property Address	405 S LAKE AVE, DULUTH, MN 55802
Document Number	00A1365424
Instrument Date	Sep 27, 2019
Instrument	A1365424
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,300.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	525 S LAKE AVE DULUTH MN 558022362, DULUTH, MN 55802-2362

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	405 S LAKE AVE, DULUTH, MN 55802
Document Number	00A1308595
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	525 S LAKE AVE DULUTH MN 558022362, DULUTH, MN 55802-2362

Mortgage

Document Number	00A1308595
Date	May 4, 2017
Instrument	A1308595

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Term	60 Months
Due	May 3, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 405 S Lake Ave was $17,954, up 2.3% 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	$17,954.00 (+2.34%)
2025	$17,544.00 (-2.5%)	$587,400 (-) Land $290,200 Building $297,200	$587,400 (-) Land $290,200 Building $297,200
2024	$17,994.00	$587,400 Land $290,200 Building $297,200	$587,400 Land $290,200 Building $297,200
2022		$587,400 Land $290,200 Building $297,200	$587,400 Land $290,200 Building $297,200

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

Flood

FEMA maps place 405 S Lake Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

The area around 405 S Lake Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 207 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

May also be available: Airfiber, CenturyLink, Fidium Fiber, T-Mobile.

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