St. Louis County property record for 41 Cato Ave, Duluth, MN 55808 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,126 sqft Gross Area |
| Lot Size | 4,313 sqft (0.099 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $260,000 (2025) |
| Tax Bill | $2,232.00 (2026) |
| Primary APN | 010-3970-01640 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,126 sqft Gross Area |
| 1st Floor | 664 sqft 1st Floor |
| Basement Area | 332 sqft Basement |
| Finished Basement | 332 sqft Finished |
| Stories | 1 Stories |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Lot Area | 4,313 sqft (0.099 acres) |
| Garage Area | 399 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Deck Area | 36 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 98 sqft Porch |
| Sauna | Sauna |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 1188328 |
|---|---|
| Street Address | 41 CATO AVE |
| City | DULUTH |
| State | MN |
| Zip | 55808-1150 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT: 01 BLOCK:015 SERIAL # |
| Legal Subdivision | RIVERSIDE |
| Legal Block | 15 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Minor Civil Division | DULUTH |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 3600 |
Source: St. Louis County records · APN 010-3970-01640
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 41 CATO AVE, DULUTH, MN 55808-1150 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 08, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HANCOCK MORTGAGE PARTNERS LLC |
| Sep 23, 2025 | Warranty Deed, Transfer CITIZENS NATIONAL BANK OF PARK RAPI |
| Dec 17, 2019 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) HANCOCK MTG PTRS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 23, 2025 · Amount on Record |
| Deed Sale | Sep 23, 2025 · Amount on Record |
| Prior Sale | Dec 17, 2019 · Amount on Record |
| Deed Doc Number | 20251094472 |
| Prior Transfer Date | Aug 29, 2013 |
| Prior Transfer Doc | 0000936186 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 08, 2026 |
| Property Address | 41 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 0001102205 |
| Instrument Date | Jun 04, 2026 |
| Instrument | 20261102205 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 41 CATO AVE, DULUTH, MN 55808-1150 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001039137 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 1039137 |
| Name | HANCOCK MORTGAGE PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | MANVEL, TX 77578 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 01, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 23, 2025 |
| Property Address | 41 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 0001094472 |
| Instrument Date | Aug 06, 2025 |
| Instrument | 1094472 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $858.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 41 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 0001094473 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 1094473 |
| Name | CITIZENS NATIONAL BANK OF PARK RAPI |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Sep 15, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 17, 2019 |
| Property Address | 41 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 00T1018645 |
| Instrument Date | Dec 13, 2019 |
| Instrument | T1018645 |
| Transaction Type | Transfer |
| Record Updated | Jan 07, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $564.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 41 CATO AVE DULUTH MN 558081150, DULUTH, MN 55808-1150 |
| Document Number | T1018646 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | T1018646 |
| Name | HANCOCK MTG PTRS |
|---|---|
| Type | Mortgage Company |
| Address | SUGAR LAND, TX 77478 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2049 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,232.00 (-0.45%) Homeowner's exemption | ||
| 2025 | $2,242.00 (-7.74%) Homeowner's exemption | $225,000 (+19.17%) Land $9,100 Building $215,900 | $225,000 (+19.17%) Land $9,100 Building $215,900 |
| 2024 | $2,430.00 | $188,800 (+8.26%) Land $10,700 Building $178,100 | $188,800 (+8.26%) Land $10,700 Building $178,100 |
| 2022 | $174,400 Land $10,100 Building $164,300 | $174,400 Land $10,100 Building $164,300 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 5% of the US · above 18% of Minnesota |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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