45 E Owatonna St, Duluth, MN 55803 Property Records

St. Louis County property record for 45 E Owatonna St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,291 sqft · built 1960
Lot Size	0.246 acres (10,720 sqft)
Owner	Individual Name on File
Last Sale	$253,000 (Nov 2021)
Tax Bill	$4,160 (2026)
Deeds & Mortgages	Nov 2021 Sale Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4670-01435`

Property Details

APN / Parcel Number

Primary APN	`010-4670-01435`
Alternative APN	`1120341`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,291 sqft Gross Area
1st Floor Area	1,071 sqft
Basement Area	250 sqft
Finished Basement	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	10,720 sqft (0.246 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	138 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1120341
Street Address	45 E OWATONNA ST
City	DULUTH
State	MN
Zip	55803-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 20 FT OF LOT 24 AND ALL OF LOT 25 SERIAL #
Legal Subdivision	SECOND DIVISION OF WOODLAND PARK
Legal Block	9
Legal Lot Number	24-25
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1015
Census Tract	100

Owner

Source: St. Louis County records, as of October 20, 2026

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

Owner of Record	Individual Name on File
Mailing Address	45 E OWATONNA ST, DULUTH, MN 55803-1805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Warranty Deed, Transfer NORTH SHORE TITLE
Nov 18, 2021	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Nov 18, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2021 · Amount on File
Deed Sale	Nov 18, 2021 · Amount on File
Prior Sale	Nov 12, 2021 · Amount on File
Deed Document Number	20211049732
Prior Transfer Date	Oct 28, 2021
Prior Transfer Doc	0001049731
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 12, 2021
Property Address	45 E OWATONNA ST, DULUTH, MN 55803-1805
Document Number	0001429827
Instrument Date	Nov 3, 2021
Instrument	1429827
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$801.41
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 VERMILION RD, DULUTH, MN 55803-2510

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 18, 2021
Property Address	45 E OWATONNA ST, DULUTH, MN 55803-1805
Document Number	0001049732
Instrument Date	Oct 28, 2021
Instrument	1049732
Transaction Type	Transfer
Record Updated	Jan 21, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 E OWATONNA ST, DULUTH, MN 55803-1805

Mortgage

Document Number	0001049733
Date	Nov 18, 2021
Instrument	1049733

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

November 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Nov 18, 2021
Property Address	45 E OWATONNA ST, DULUTH, MN 55803-1805
Document Number	0001049731
Instrument Date	Oct 28, 2021
Instrument	1049731
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 E OWATONNA ST, DULUTH, MN 55803-1805

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	$4,160.00 (+8.62%) Homeowner's exemption
2025	$3,830.00 (+2.52%) Homeowner's exemption	$338,000 (+14.04%) Land $36,000 Building $302,000	$338,000 (+14.04%) Land $36,000 Building $302,000
2024	$3,736.00	$296,400 (+16.28%) Land $37,700 Building $258,700	$296,400 (+16.28%) Land $37,700 Building $258,700
2022		$254,900 Land $43,800 Building $211,100	$254,900 Land $43,800 Building $211,100

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
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	Not rated no burnable land within ember reach

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 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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