415 W McGonagle St, Duluth, MN 55808 Property Records

St. Louis County property record for 415 W McGonagle St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.25 ba · 768 sqft · built 1920
Lot Size	0.142 acres (6,205 sqft)
Owner	Individual Name on File
Last Sale	$104,000 (Mar 2020)
Tax Bill	$2,334 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1800-10220`

Property Details

APN / Parcel Number

Primary APN	`010-1800-10220`
Alternative APN	`1086485`

Interior

Bedrooms	2 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	768 sqft Gross Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1985
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	6,205 sqft (0.142 acres)
Garage Area	396 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	112 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1086485
Street Address	415 W MCGONAGLE ST
City	DULUTH
State	MN
Zip	55808-1756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOTS 1 THRU 4 SERIAL #
Legal Subdivision	GARY FIRST DIVISION
Legal Block	40
Legal Lot Number	1-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1019
Census Tract	3800

Owner

415 W McGonagle St is owned and occupied by an individual who bought it in March 2020.

Source: St. Louis County records, as of October 14, 2026

Owner of Record	Individual Name on File
Mailing Address	415 W MCGONAGLE ST, DULUTH, MN 55808-1756
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 9, 2020	Warranty Deed, Transfer · FHA Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2020 · Amount on File
Deed Sale	Mar 9, 2020 · Amount on File
Deed Document Number	20201021274
Prior Transfer Date	Aug 27, 2014
Prior Transfer Doc	0000948394
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	415 W MCGONAGLE ST, DULUTH, MN 55808-1756
Transaction Type	Mortgage
Record Updated	Apr 25, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 W MCGONAGLE ST, DULUTH, MN 55808-1756

Mortgage

Document Number	0001055204
Date	Apr 6, 2022
Instrument	1055204

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 9, 2020
Property Address	415 W MCGONAGLE ST, DULUTH, MN 55808-1756
Document Number	00T1021274
Instrument Date	Feb 28, 2020
Instrument	T1021274
Transaction Type	Transfer
Record Updated	Apr 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	415 W MCGONAGLE ST DULUTH MN 558081756, DULUTH, MN 55808-1756

Mortgage

Document Number	T1021275
Date	Mar 9, 2020
Instrument	T1021275

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2050

Mortgage

Document Number	T1021276,
Date	Mar 9, 2020
Instrument	T1021276

Lender

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

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 8, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 415 W McGonagle St was $2,334, 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	$2,334.00 (+12.75%)
2025	$2,070.00 (-0.77%)	$166,000 (+10.96%) Land $14,700 Building $151,300	$166,000 (+10.96%) Land $14,700 Building $151,300
2024	$2,086.00	$149,600 Land $14,500 Building $135,100	$149,600 Land $14,500 Building $135,100
2022		$125,500 Land $17,800 Building $107,700	$125,500 Land $17,800 Building $107,700

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

Flood

FEMA maps place 415 W McGonagle 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 415 W McGonagle 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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