St. Louis County property record for 45 Cato Ave, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,138 sqft · built 1917 |
| Lot Size | 0.088 acres (3,834 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $55,000 (Apr 2005) |
| Tax Bill | $1,692 (2026) |
| Deeds & Mortgages | Feb 2024 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3970-01660 |
| Primary APN | 010-3970-01660 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,138 sqft Gross Area |
| 1st Floor Area | 676 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 3,834 sqft (0.088 acres) |
| Garage Area | 240 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 80 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 779539 |
|---|---|
| Street Address | 45 CATO AVE |
| City | DULUTH |
| State | MN |
| Zip | 55808-1150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0003 BLOCK:015 SERIAL # |
| Legal Subdivision | RIVERSIDE |
| Legal Block | 15 |
| Legal Lot Number | 3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 3600 |
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 | 45 CATO AVE, DULUTH, MN 55808-1150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2024 | Deed of Trust, Mortgage · Line of Credit HERMANTOWN FCU |
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SERVION INC |
| May 18, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2005 · Amount on Record |
| Deed Sale | Apr 11, 2005 · Amount on Record |
| Deed Document Number | 2005795923 |
| Last Transfer Date | May 8, 2018 |
| Transfer Doc | 0000998156 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 45 CATO AVE, DULUTH, MN 55808-1150 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001076972 |
|---|---|
| Date | Feb 15, 2024 |
| Instrument | 1076972 |
| Name | HERMANTOWN FCU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 8, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 45 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 00T1035427 |
| Instrument Date | Nov 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 45 CATO AVE DULUTH MN 558081150, DULUTH, MN 55808-1150 |
| Document Number | 00T1035427 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | T1035427 |
| Name | SERVION INC |
|---|---|
| Address | NEW BRIGHTON, MN 55112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 20, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 18, 2018 |
| Property Address | 45 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 000T998156 |
| Instrument Date | May 8, 2018 |
| Instrument | T998156 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 CATO AVE DULUTH MN 558081150, DULUTH, MN 55808-1150 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,692.00 (-0.82%) Homeowner's exemption | ||
| 2025 | $1,706.00 (-8.96%) Homeowner's exemption | $162,300 (+6.57%) Land $8,500 Building $153,800 | $162,300 (+6.57%) Land $8,500 Building $153,800 |
| 2024 | $1,874.00 | $152,300 (+13.49%) Land $9,900 Building $142,400 | $152,300 (+13.49%) Land $9,900 Building $142,400 |
| 2022 | $134,200 Land $9,400 Building $124,800 | $134,200 Land $9,400 Building $124,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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