409 W Gary St, Duluth, MN 55808 Property Records

St. Louis County property record for 409 W Gary St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,202 sqft · built 1948
Lot Size	0.35 acres (15,272 sqft)
Owner	Individual Name on File
Last Sale	$207,000 (Jul 2017)
Tax Bill	$3,824 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1800-04910`

Property Details

APN / Parcel Number

Primary APN	`010-1800-04910`
Alternative APN	`1034931`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,202 sqft Gross Area
1st Floor Area	144 sqft
Basement Area	409 sqft
Finished Basement	409 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1985
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Lot Area	15,272 sqft (0.35 acres)
Garage Area	1,936 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	160 sqft
Deck Area	258 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1034931
Street Address	409 W GARY ST
City	DULUTH
State	MN
Zip	55808-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 25 THRU 30 SERIAL #
Legal Subdivision	GARY FIRST DIV DULUTH
Legal Block	22
Legal Lot Number	25-30
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1020
Census Tract	3800

Owner

409 W Gary St is owned and occupied by an individual who acquired it in October 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	409 W GARY ST, DULUTH, MN 55808-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Quit Claim Deed, Transfer CENTRICITY CU
Jul 27, 2017	Warranty Deed, Transfer · Conventional with PMI HERMANTOWN FCU
Jun 21, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2017 · Amount on File
Deed Sale	Jul 27, 2017 · Amount on File
Deed Document Number	2017987745
Last Transfer Date	Oct 18, 2023
Transfer Doc	0001073493
Record Updated	Sep 20, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 27, 2020
Property Address	409 W GARY ST, DULUTH, MN 55808-1744
Document Number	00T1023821
Instrument Date	May 18, 2020
Instrument	T1023821
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	NORTH DAKOTA GUARANTY AND TITLE, NORTH DAKOTA GUARANTY & TITLE

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 W GARY ST DULUTH MN 558081744, DULUTH, MN 55808-1744

Mortgage

Document Number	T1023822
Date	May 27, 2020
Instrument	T1023822

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

Mortgage

Document Number	T1023982,
Date	May 27, 2020
Instrument	T1023982

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 26, 2045

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 27, 2017
Property Address	409 W GARY ST, DULUTH, MN 55808-1744
Document Number	000T987745
Instrument Date	Jul 21, 2017
Instrument	T987745
Transaction Type	Transfer
Record Updated	Aug 8, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$683.00
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	409 W GARY ST DULUTH MN 558081744, DULUTH, MN 55808-1744

Mortgage

Document Number	T987746
Date	Jul 27, 2017
Instrument	T987746

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	HERMANTOWN, MN 55811

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 21, 2017
Property Address	409 W GARY ST, DULUTH, MN 55808-1744
Document Number	000T986248
Instrument Date	Jun 20, 2017
Instrument	T986248
Transaction Type	Transfer
Record Updated	Jul 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 E PRESCOTT ST DULUTH MN 558082147, DULUTH, MN 55808-2147

Tax Assessment & Valuation

The 2026 property tax bill for 409 W Gary St was $3,824 with a homeowner's exemption, up 14.4% 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	$3,824.00 (+14.35%) Homeowner's exemption
2025	$3,344.00 (-3.85%) Homeowner's exemption	$292,500 (+11.01%) Land $24,400 Building $268,100	$292,500 (+11.01%) Land $24,400 Building $268,100
2024	$3,478.00	$263,500 Land $24,000 Building $239,500	$263,500 Land $24,000 Building $239,500
2022		$265,000 Land $29,500 Building $235,500	$265,000 Land $29,500 Building $235,500

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

Flood

FEMA maps place 409 W Gary St in Zone X, an area of minimal flood risk, though there have been 2 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	1 in force
Nearby Flood Claims	2 (2012–2014)
Most Recent Claim	Apr 2014 · river or lake 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.

Wildfire

Wildfire risk around 409 W Gary St 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	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 283 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: Airfiber.

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