409 Saint Paul Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 409 Saint Paul Ave, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1978
Lot Size	0.144 acres (6,295 sqft)
Owner	Individual Name on Record
Last Sale	$203,000 (Aug 2019)
Tax Bill	$3,956 (2026)
Deeds & Mortgages	Feb 2020 Line of Credit Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`010-4690-00370`

Property Details

APN / Parcel Number

Primary APN	`010-4690-00370`
Alternative APN	`1075481`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Gross Area
1st Floor Area	988 sqft
Basement Area	741 sqft
Finished Basement	741 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	6,295 sqft (0.144 acres)
Garage Area	673 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	294 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1075481
Street Address	409 SAINT PAUL AVE
City	DULUTH
State	MN
Zip	55803-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0003 BLOCK:003 SERIAL #
Legal Subdivision	WOODLAND PARK SEVENTH DIVISION
Legal Block	3
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1008
Census Tract	100

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	409 SAINT PAUL AVE, DULUTH, MN 55803-2043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2020	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE
Aug 9, 2019	Warranty Deed, Transfer RESULTS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2019 · Amount on Record
Deed Sale	Aug 9, 2019 · Amount on Record
Deed Document Number	20191013502
Prior Transfer Date	Aug 21, 2014
Prior Transfer Doc	0000949343
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	409 SAINT PAUL AVE, DULUTH, MN 55803-2043
Document Number	00T1020614
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SAINT PAUL AVE DULUTH MN 558032043, DULUTH, MN 55803-2043

Mortgage

Document Number	00T1020614
Date	Feb 18, 2020
Instrument	T1020614

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 17, 2025

Interest

Rate Type	Adjustable Rate
Rate	4.75%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 9, 2019
Property Address	409 SAINT PAUL AVE, DULUTH, MN 55803-2043
Document Number	00T1013502
Instrument Date	Jul 30, 2019
Instrument	T1013502
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Tax	$669.90
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SAINT PAUL AVE DULUTH MN 558032043, DULUTH, MN 55803-2043

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	$3,956.00 (+12.71%) Homeowner's exemption
2025	$3,510.00 (+3.42%) Homeowner's exemption	$322,800 (+17.85%) Land $26,700 Building $296,100	$322,800 (+17.85%) Land $26,700 Building $296,100
2024	$3,394.00	$273,900 (+17.4%) Land $27,900 Building $246,000	$273,900 (+17.4%) Land $27,900 Building $246,000
2022		$233,300 Land $32,500 Building $200,800	$233,300 Land $32,500 Building $200,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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