5125 Tioga St, Duluth, MN 55804 Property Records

St. Louis County property record for 5125 Tioga St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 966 sqft · built 1915
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$239,900 (Aug 2023)
Tax Bill	$2,502 (2026)
Deeds & Mortgages	Jul 2023 Second Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3080-01980`

Property Details

APN / Parcel Number

Primary APN	`010-3080-01980`
Alternative APNs	`1153459` `990643`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	966 sqft Gross Area
1st Floor Area	552 sqft
Basement Area	271 sqft
Finished Basement	271 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	352 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	98 sqft
Deck Area	30 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1153459
Street Address	5125 TIOGA ST
City	DULUTH
State	MN
Zip	55804-1665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0008 BLOCK:007 SERIAL #
Legal Subdivision	ALTERED LONDON PARK ADD TO DUL
Legal Block	7
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2021
Census Tract	200

Owner

5125 Tioga St is owned and occupied by an individual who bought it in August 2023.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	5125 TIOGA ST, DULUTH, MN 55804-1665
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONAL BANK OF COMMERCE
Aug 22, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2023 · Amount on File
Deed Sale	Aug 22, 2023 · Amount on File
Prior Sale	Jun 19, 2015 · Amount on File
Deed Document Number	20231472508
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5125 TIOGA ST, DULUTH, MN 55804-1665
Transaction Type	Mortgage
Record Updated	Aug 25, 2023
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TTL & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001470837
Date	Jul 27, 2023
Instrument	1470837

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 26, 2024

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 22, 2023
Property Address	5125 TIOGA ST, DULUTH, MN 55804-1665
Document Number	0001472508
Instrument Date	Aug 17, 2023
Instrument	1472508
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 TIOGA ST, DULUTH, MN 55804-1665

Mortgage

Document Number	0001472907
Date	Aug 28, 2023
Instrument	1472907

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	7.99%
Index	1-Year T-Bill
Max Rate	10.9%

Tax Assessment & Valuation

The 2026 property tax bill for 5125 Tioga St was $2,502 with a homeowner's exemption, up 7.2% from the year before.

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	$2,502.00 (+7.2%) Homeowner's exemption
2025	$2,334.00 (+7.06%) Homeowner's exemption	$207,000 (+6.21%) Land $47,800 Building $159,200	$207,000 (+6.21%) Land $47,800 Building $159,200
2024	$2,180.00 (+4.51%)	$194,900 Land $46,100 Building $148,800	$194,900 Land $46,100 Building $148,800
2023	$2,086.00 Homeowner's exemption
2022		$158,600 (+20.98%) Land $35,500 Building $123,100	$158,600 (+20.98%) Land $35,500 Building $123,100
2021		$131,100 Land $29,300 Building $101,800	$131,100 Land $29,300 Building $101,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5125 Tioga St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5125 Tioga St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 507 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Tioga St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures