411 99th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 411 99th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,368 sqft · built 2019
Lot Size	0.321 acres (14,006 sqft)
Owner	Individual Name on Record
Tax Bill	$4,412 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3430-07100`

Property Details

APN / Parcel Number

Primary APN	`010-3430-07100`
Alternative APN	`1126188`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,368 sqft Gross Area
1st Floor Area	3,368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	14,006 sqft (0.321 acres)
Garage Area	1,176 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1126188
Street Address	411 99TH AVE W
City	DULUTH
State	MN
Zip	55808-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 THRU 12 BLK 22 SERIAL #
Legal Subdivision	NEW DULUTH 1ST DIVISION
Legal Block	22
Legal Lot Number	9-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3044
Census Tract	3800

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	411 99TH AVE W, DULUTH, MN 55808-2602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 6, 2020	Deed of Trust, Mortgage HOMEOWNERS FIN'L GRP USA
Aug 15, 2019	Trustee's Deed, Construction Loan · Line of Credit FALCON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019
Deed Sale	Aug 1, 2019
Deed Document Number	20191359877
Prior Transfer Date	Oct 26, 2016
Prior Transfer Doc	0001299295
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	411 99TH AVE W, DULUTH, MN 55808-2602
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403675
Date	Feb 11, 2021
Instrument	1403675

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	411 99TH AVE W, DULUTH, MN 55808-2602
Document Number	00A1389541
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Oct 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	411 99TH AVE W DULUTH MN 55808, DULUTH, MN 55808

Mortgage

Document Number	00A1389541
Date	Sep 4, 2020
Instrument	A1389541

Lender

Name	HOMEOWNERS FIN'L GRP USA
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 15, 2019
Property Address	411 99TH AVE W, DULUTH, MN 55808-2602
Instrument Date	Aug 15, 2019
Instrument	A1360994
Transaction Type	Construction Loan
Record Updated	Nov 25, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	99TH AVE W DULUTH MN 55808, DULUTH, MN 55808

Mortgage

Document Number	00A1360994
Date	Aug 15, 2019
Instrument	A1360994

Lender

Name	FALCON NAT'L BK
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$4,412.00 (+25.13%) Homeowner's exemption
2025	$3,526.00 (+1.97%) Homeowner's exemption	$620,100 (+11.47%) Land $23,300 Building $596,800	$620,100 (+11.47%) Land $23,300 Building $596,800
2024	$3,458.00	$556,300 (+14.56%) Land $23,000 Building $533,300	$556,300 (+14.56%) Land $23,000 Building $533,300
2022		$485,600 Land $25,900 Building $459,700	$485,600 Land $25,900 Building $459,700

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 · 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	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

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

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

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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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