St. Louis County property record for 49 Cato Ave, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 1,174 sqft · built 1917 |
| Lot Size | 0.173 acres (7,552 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $193,000 (Feb 2022) |
| Tax Bill | $3,336 (2026) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3970-01680 |
| Primary APN | 010-3970-01680 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,174 sqft Gross Area |
| 1st Floor Area | 712 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,552 sqft (0.173 acres) |
| Garage Area | 624 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 36 sqft |
| Storage Building | 72 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1125656 |
|---|---|
| Street Address | 49 CATO AVE |
| City | DULUTH |
| State | MN |
| Zip | 55808-1150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 5 AND 6 SERIAL # |
| Legal Subdivision | RIVERSIDE DULUTH |
| Legal Block | 15 |
| Legal Lot Number | 5-6 |
| 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 | 49 CATO AVE, DULUTH, MN 55808-1150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Nov 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/CMRC |
| Nov 28, 2017 | Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2022 · Amount on Record |
| Deed Sale | Feb 4, 2022 · Amount on Record |
| Prior Sale | Mar 29, 2005 · Amount on Record |
| Deed Document Number | 20221053035 |
| Prior Transfer Date | Mar 15, 2005 |
| Prior Transfer Doc | 0000795258 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 4, 2022 |
| Property Address | 49 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 0001053035 |
| Instrument Date | Feb 2, 2022 |
| Instrument | 1053035 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2022 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $636.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 0001053036 |
|---|---|
| Date | Feb 4, 2022 |
| Instrument | 1053036 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 49 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 00T1017402 |
| Instrument Date | Nov 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2019 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|---|
| Address | 49 CATO AVE DULUTH MN 558081150, DULUTH, MN 55808-1150 |
| Document Number | 00T1017402 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | T1017402 |
| Name | NATIONAL BK/CMRC |
|---|---|
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 12, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 28, 2017 |
| Property Address | 49 CATO AVE, DULUTH, MN 55808-1150 |
| Document Number | 000T992598 |
| Instrument Date | Nov 20, 2017 |
| Instrument | T992598 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | ARROWHEAD TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 49 CATO AVE DULUTH MN 558081150, DULUTH, MN 55808-1150 |
| Document Number | T992599 |
|---|---|
| Date | Nov 28, 2017 |
| Instrument | T992599 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 27, 2047 |
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 | $3,336.00 (+0.12%) | ||
| 2025 | $3,332.00 (-2.34%) | $204,500 (+5.74%) Land $16,000 Building $188,500 | $204,500 (+5.74%) Land $16,000 Building $188,500 |
| 2024 | $3,412.00 | $193,400 (+22.79%) Land $18,800 Building $174,600 | $193,400 (+22.79%) Land $18,800 Building $174,600 |
| 2022 | $157,500 Land $17,800 Building $139,700 | $157,500 Land $17,800 Building $139,700 |
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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