43 Cato Ave, Duluth, MN 55808 Property Records

St. Louis County property record for 43 Cato Ave, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,584 sqft · built 1998
Lot Size	0.088 acres (3,834 sqft)
Owner	Individual Name on Record
Last Sale	$203,000 (Dec 2020)
Tax Bill	$3,220 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3970-01650`

Property Details

APN / Parcel Number

Primary APN	`010-3970-01650`
Alternative APN	`1101496`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,584 sqft Gross Area
1st Floor Area	792 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	3,834 sqft (0.088 acres)
Garage Area	320 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	66 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1101496
Street Address	43 CATO AVE
City	DULUTH
State	MN
Zip	55808-1150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0002 BLOCK:015 SERIAL #
Legal Subdivision	RIVERSIDE DULUTH
Legal Block	15
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2001
Census Tract	3600

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	43 CATO AVE, DULUTH, MN 55808-1150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2020 · Amount on Record
Deed Sale	Dec 9, 2020 · Amount on Record
Prior Sale	Jan 7, 2005 · Amount on Record
Deed Document Number	20201033426
Prior Transfer Date	May 13, 2004
Prior Transfer Doc	0000777953
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 9, 2020
Property Address	43 CATO AVE, DULUTH, MN 55808-1150
Document Number	00T1033426
Instrument Date	Dec 7, 2020
Instrument	T1033426
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 CATO AVE DULUTH MN 558081150, DULUTH, MN 55808-1150

Mortgage

Document Number	T1033427
Date	Dec 9, 2020
Instrument	T1033427

Lender

Name	AMERICU MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

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	$3,220.00 (-0.37%) Homeowner's exemption
2025	$3,232.00 (-6.26%) Homeowner's exemption	$274,200 (+7.19%) Land $8,400 Building $265,800	$274,200 (+7.19%) Land $8,400 Building $265,800
2024	$3,448.00	$255,800 (+23.63%) Land $9,800 Building $246,000	$255,800 (+23.63%) Land $9,800 Building $246,000
2022		$206,900 Land $9,300 Building $197,600	$206,900 Land $9,300 Building $197,600

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Airfiber Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20