St. Louis County property record for 406 95th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,242 sqft · built 1928 |
| Lot Size | 0.206 acres (9,003 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,900 (Sep 2022) |
| Tax Bill | $3,000 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3430-05555 |
| Primary APN | 010-3430-05555 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 1,242 sqft Gross Area |
| 1st Floor Area | 621 sqft |
| Basement Area | 621 sqft |
| Finished Basement | 621 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 9,003 sqft (0.206 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 78 sqft |
| Deck Area | 80 sqft |
| Storage Building | 192 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1136836 |
|---|---|
| Street Address | 406 95TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-2026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WLY 120 FT OF N 1/2 OF LOT 19 WLY 120 FTOF LOTS 20 AND 21 AND WLY 120 FT OF S1/2 OF LOT 22 SERIAL # |
| Legal Subdivision | NEW DULUTH FIRST DIVISION |
| Legal Block | 17 |
| Legal Lot Number | 19-22 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 3800 |
406 95th Ave W is owned and occupied by an individual who bought it in September 2022.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 95TH AVE W, DULUTH, MN 55808-2026 |
| 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.
| Date | Document |
|---|---|
| Sep 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC |
| Jun 12, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MTG |
| Jun 22, 2018 | Warranty Deed, Transfer · FHA Mortgage MARKETPLACE HM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2022 · Amount on File |
| Deed Sale | Sep 14, 2022 · Amount on File |
| Prior Sale | Jun 22, 2018 · Amount on File |
| Deed Document Number | 20221451941 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 14, 2022 |
| Property Address | 406 95TH AVE W, DULUTH, MN 55808-2026 |
| Document Number | 0001451941 |
| Instrument Date | Aug 31, 2022 |
| Instrument | 1451941 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $857.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 95TH AVE W, DULUTH, MN 55808-2026 |
| Document Number | 0001451942 |
|---|---|
| Date | Sep 14, 2022 |
| Instrument | 1451942 |
| Name | LEND SMART MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 406 95TH AVE W, DULUTH, MN 55808-2026 |
| Document Number | 00A1383018 |
| Instrument Date | Jun 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 406 95TH AVE W DULUTH MN 558082026, DULUTH, MN 55808-2026 |
| Document Number | 00A1383018 |
|---|---|
| Date | Jun 19, 2020 |
| Instrument | A1383018 |
| Name | AMERIHOME MTG |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362-3888 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 22, 2018 |
| Property Address | 406 95TH AVE W, DULUTH, MN 55808-2026 |
| Document Number | 00A1335176 |
| Instrument Date | Jun 19, 2018 |
| Instrument | A1335176 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $627.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 95TH AVE W DULUTH MN 558082026, DULUTH, MN 55808-2026 |
| Document Number | A1335177 |
|---|---|
| Date | Jun 22, 2018 |
| Instrument | A1335177 |
| Name | MARKETPLACE HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | EDINA, MN 55435 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 21, 2048 |
The 2026 property tax bill for 406 95th Ave W was $3,000 with a homeowner's exemption, up 14.9% from the year before.
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 | $3,000.00 (+14.94%) Homeowner's exemption | ||
| 2025 | $2,610.00 (-4.67%) Homeowner's exemption | $237,400 (+11.09%) Land $18,600 Building $218,800 | $237,400 (+11.09%) Land $18,600 Building $218,800 |
| 2024 | $2,738.00 | $213,700 Land $18,300 Building $195,400 | $213,700 Land $18,300 Building $195,400 |
| 2022 | $191,200 Land $20,600 Building $170,600 | $191,200 Land $20,600 Building $170,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 95th 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 |
|
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 risk around 406 95th 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 | Direct burnable vegetation |
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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Airfiber Fixed Wireless | 100 / 20 |
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