412 98th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 412 98th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,412 sqft · built 1890
Lot Size	0.16 acres (7,003 sqft)
Owner	Company Name on File
Last Sale	$70,000 (Oct 2019)
Tax Bill	$2,988 (2026)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3430-06540`

Property Details

APN / Parcel Number

Primary APN	`010-3430-06540`
Alternative APN	`1078590`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,412 sqft Gross Area
1st Floor Area	944 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1975
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	7,003 sqft (0.16 acres)
Garage Area	625 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	24 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1078590
Street Address	412 98TH AVE W
City	DULUTH
State	MN
Zip	55808-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 22 AND 23 SERIAL #
Legal Subdivision	NEW DULUTH
Legal Block	20
Legal Lot Number	22-23
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2024
Census Tract	3800

Owner

412 98th Ave W is owned by a company that bought it in October 2019.

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

Owner of Record	Company Name on File
Mailing Address	412 98TH AVE W, DULUTH, MN 55808-2009
Owner Type	Company

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2019 · Amount on File
Deed Sale	Oct 3, 2019 · Amount on File
Deed Document Number	20191364683
Prior Transfer Date	Sep 24, 2019
Prior Transfer Doc	0001364682
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 3, 2019
Property Address	412 98TH AVE W, DULUTH, MN 55808-2009
Document Number	0001364683
Instrument Date	Sep 24, 2019
Instrument	1364683
Transaction Type	Construction Loan
Record Updated	Oct 31, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	412 98TH AVE W DULUTH MN 558082009, DULUTH, MN 55808-2009

Mortgage

Document Number	1364684
Date	Oct 3, 2019
Instrument	1364684

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 412 98th Ave W was $2,988, up 12.8% 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	$2,988.00 (+12.84%)
2025	$2,648.00 (-0.82%)	$213,300 (+11.09%) Land $16,700 Building $196,600	$213,300 (+11.09%) Land $16,700 Building $196,600
2024	$2,670.00	$192,000 Land $16,400 Building $175,600	$192,000 Land $16,400 Building $175,600
2022		$182,300 Land $18,500 Building $163,800	$182,300 Land $18,500 Building $163,800

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

Flood

FEMA maps place 412 98th 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	Severe Storms And Flooding, Jun 2012 · 4 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

Wildfire risk around 412 98th 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	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 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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