5 W 1st St, Duluth, MN 55802 Property Records

St. Louis County property record for 5 W 1st St, Duluth, MN 55802

Property Summary

Property Type	Apartments (5+ Units)
Details	42,000 sqft · built 1924
Lot Size	0.322 acres (14,049 sqft)
Owner	Company Name on Record
Last Sale	$1,900,000 (Dec 2021)
Tax Bill	$89,598 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-0940-00010`

Property Details

APN / Parcel Number

Primary APN	`010-0940-00010`
Alternative APNs	`1122827` `1089466`

Interior

Units	38 Units
Stories	3 Stories
Building Area	42,000 sqft Gross Area
1st Floor Area	14,000 sqft
Basement Area	14,000 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1995
Exterior Material	Brick Veneer
Lot Area	14,049 sqft (0.322 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	1089466
Street Address	5 W 1ST ST
City	DULUTH
State	MN
Zip	55802-2066
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	LOTS 1 AND 3 SERIAL #
Legal Subdivision	DULUTH PROPER 1ST DIV WEST 1ST
Legal Lot Number	1,3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3011
Census Tract	1900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Duluth Commercial Historic District (additional Documentation) listed 2006 · 86 contributing resources · NRIS 06000455

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	1324 E 4TH ST, B, DULUTH, MN 55805-2810
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage RETHOS COVE 2.0 LLC
Dec 15, 2021	Re-recorded Document · Commercial Mortgage LINCOLN SAVINGS BANK
Dec 13, 2021	Warranty Deed, Transfer · Commercial Mortgage LINCOLN SAVINGS BANK
Sep 13, 2018	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK
Sep 13, 2018	Loan Modification, Mortgage REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2021 · Amount on Record
Deed Sale	Dec 15, 2021 · Amount on Record
Prior Sale	Dec 13, 2021 · Amount on Record
Deed Document Number	20211432792
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5 W 1ST ST, DULUTH, MN 55802-2066
Transaction Type	Mortgage
Record Updated	Oct 2, 2023
Title Company	COMMERCIAL PARTNERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CHESHIRE LN 120, 120, MINNETONKA, MN 55305-1009

Mortgage

Document Number	0001432794
Date	Dec 15, 2021
Instrument	1432794

Lender

Name	RETHOS COVE 2.0 LLC
Type	Non-Lending Institution
Address	SAINT PAUL, MN 55102

Agreement

Amount	Amount Recorded
Term	481 Months
Due	Dec 31, 2061

December 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ST LOUIS MN
Recording Date	Dec 15, 2021
Property Address	5 W 1ST ST, DULUTH, MN 55802-2066
Document Number	0001432792
Instrument Date	Dec 8, 2021
Instrument	1432792
Record Updated	Oct 2, 2023
Title Company	COMMERCIAL PARTNERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CHESHIRE LN STE 120, 120, MINNETONKA, MN 55305-1009

Mortgage

Document Number	0001432793
Date	Dec 15, 2021
Instrument	1432793

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	CLIVE, IA 50325

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	78 Months
Due	Jun 7, 2028

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 13, 2021
Property Address	5 W 1ST ST, DULUTH, MN 55802-2066
Document Number	0001050806
Instrument Date	Dec 8, 2021
Instrument	1050806
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Amount	Amount Recorded
Tax	$6,270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CHESHIRE LN STE 120, 120, MINNETONKA, MN 55305-1009

Mortgage

Document Number	0001050807
Date	Dec 13, 2021
Instrument	1050807

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jun 7, 2024

Mortgage

Document Number	0001050808
Date	Dec 13, 2021
Instrument	1050808

Lender

Name	RETHOS COVE 2.0 LLC
Type	Non-Lending Institution
Address	SAINT PAUL, MN 55102

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5 W 1ST ST, DULUTH, MN 55802-2066
Document Number	00A1341042
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3027 DULUTH MN 558033027, DULUTH, MN 55803-3027

Mortgage

Document Number	00A1341042
Date	Sep 19, 2018
Instrument	A1341042

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	5 W 1ST ST, DULUTH, MN 55802-2066
Document Number	00A1340910
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3027 DULUTH MN 558033027, DULUTH, MN 55803-3027

Mortgage

Document Number	00A1340910
Date	Sep 18, 2018
Instrument	A1340910

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded

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	$89,598.00 (+8.76%)
2025		$5,209,000 (+5.63%) Land $231,000 Building $4,978,000	$5,209,000 (+5.63%) Land $231,000 Building $4,978,000
2024	$82,378.00 (+208.74%)	$4,931,400 (+238.02%) Land $222,900 Building $4,708,500	$4,931,400 (+238.02%) Land $222,900 Building $4,708,500
2023	$26,682.00
2022		$1,458,900 (-28.67%) Land $210,000 Building $1,248,900	$1,458,900 (-28.67%) Land $210,000 Building $1,248,900
2021		$2,045,400 Land $210,000 Building $1,835,400	$2,045,400 Land $210,000 Building $1,835,400

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 207 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, CenturyLink, Fidium Fiber, T-Mobile.

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