417 97th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 417 97th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,024 sqft · built 1890
Lot Size	0.241 acres (10,504 sqft)
Owner	Individual Name on Record
Last Sale	$164,900 (Aug 2024)
Tax Bill	$1,856 (2026)
Deeds & Mortgages	Dec 2022 Foreclosure Oct 2022 Foreclosure + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-3430-06390`

Property Details

APN / Parcel Number

Primary APN	`010-3430-06390`
Alternative APNs	`1097481` `1082146` `1171365`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,024 sqft Gross Area
1st Floor Area	512 sqft
Basement Area	312 sqft
Finished Basement	312 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1985
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	10,504 sqft (0.241 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	112 sqft
Storage Building	96 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1171365
Street Address	417 97TH AVE W
City	DULUTH
State	MN
Zip	55808-2006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 8 AND 9 SERIAL #
Legal Subdivision	NEW DULUTH 1ST DIV
Legal Block	20
Legal Lot Number	7-8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2024
Census Tract	3800

Owner

Source: St. Louis County records, as of August 18, 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	417 97TH AVE W, DULUTH, MN 55808-2006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Assignment of Deed, Foreclosure
Oct 26, 2022	Sheriff's Deed, Foreclosure
Oct 7, 2020	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE
May 9, 2019	Warranty Deed, Transfer · VA Mortgage FEDERAL SVGS BK
Apr 23, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2024 · Amount on Record
Deed Sale	Aug 5, 2024 · Amount on Record
Prior Sale	Oct 7, 2020 · Amount on Record
Deed Document Number	20241081726
Prior Transfer Date	Apr 18, 2019
Prior Transfer Doc	0001009734
Record Updated	Sep 20, 2026

December 2022: Assignment of Deed, Foreclosure

Document Type	Assignment of Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 20, 2022
Property Address	417 97TH AVE W, DULUTH, MN 55808-2006
Document Number	0001064658
Instrument Date	Dec 15, 2022
Instrument	1064658
Transaction Type	Foreclosure
Record Updated	Jan 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7730 S UNION PARK AVE STE 400, 400, MIDVALE, UT 84047-5560
Investor	Possibly a Property Investor

October 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 26, 2022
Property Address	417 97TH AVE W, DULUTH, MN 55808-2006
Document Number	0001062845
Instrument Date	Sep 13, 2022
Instrument	1062845
Transaction Type	Foreclosure
Record Updated	Nov 24, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 7, 2020
Property Address	417 97TH AVE W, DULUTH, MN 55808-2006
Document Number	00T1030082
Instrument Date	Sep 28, 2020
Instrument	T1030082
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 97TH AVE W DULUTH MN 558082006, DULUTH, MN 55808-2006

Mortgage

Document Number	T1030083
Date	Oct 7, 2020
Instrument	T1030083

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Mortgage

Document Number	T1030084,
Date	Oct 7, 2020
Instrument	T1030084

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 9, 2019
Property Address	417 97TH AVE W, DULUTH, MN 55808-2006
Document Number	00T1010244
Instrument Date	Apr 25, 2019
Instrument	T1010244
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 97TH AVE W DULUTH MN 558082006, DULUTH, MN 55808-2006

Mortgage

Document Number	1010245
Date	May 9, 2019
Instrument	1010245

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

April 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Apr 23, 2019
Property Address	417 97TH AVE W, DULUTH, MN 55808-2006
Document Number	0001009734
Instrument Date	Apr 18, 2019
Instrument	1009734
Transaction Type	Transfer
Record Updated	May 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 98TH AVE W DULUTH MN 558081761, DULUTH, MN 55808-1761

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	$1,856.00 (+15.28%) Homeowner's exemption
2025	$1,610.00 (-21.92%) Homeowner's exemption	$161,100 (+10.49%) Land $20,000 Building $141,100	$161,100 (+10.49%) Land $20,000 Building $141,100
2024	$2,062.00	$145,800 (+3.99%) Land $19,700 Building $126,100	$145,800 (+3.99%) Land $19,700 Building $126,100
2022		$140,200 Land $22,200 Building $118,000	$140,200 Land $22,200 Building $118,000

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	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

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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