514 98th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 514 98th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.25 ba · 1,320 sqft · built 1916
Lot Size	0.16 acres (7,003 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Dec 2019)
Tax Bill	$2,900 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3430-09600`

Property Details

APN / Parcel Number

Primary APN	`010-3430-09600`
Alternative APN	`1082657`

Interior

Bedrooms	5 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,320 sqft Gross Area
1st Floor Area	720 sqft
Basement Area	150 sqft
Finished Basement	150 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,003 sqft (0.16 acres)
Garage Area	720 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	168 sqft
Deck Area	108 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1082657
Street Address	514 98TH AVE W
City	DULUTH
State	MN
Zip	55808-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 23 AND 24 SERIAL #
Legal Subdivision	NEW DULUTH FIRST DIVISION
Legal Block	29
Legal Lot Number	23-24
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2023
Census Tract	3800

Owner

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	514 98TH AVE W, DULUTH, MN 55808-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2019	Warranty Deed, Transfer · FHA Mortgage LEND SMART MTG
Dec 17, 2019	Warranty Deed, Transfer · FHA Mortgage LEND SMART MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2019 · Amount on Record
Deed Sale	Dec 17, 2019 · Amount on Record
Prior Sale	Dec 16, 2019 · Amount on Record
Deed Document Number	20191369746
Record Updated	Sep 20, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 16, 2019
Property Address	514 98TH AVE W, DULUTH, MN 55808-1903
Document Number	00T1018626
Instrument Date	Dec 13, 2019
Instrument	T1018626
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	514 98TH AVE W DULUTH MN 558081903, DULUTH, MN 55808-1903

Mortgage

Document Number	T1018627
Date	Dec 16, 2019
Instrument	T1018627

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2049

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 17, 2019
Property Address	514 98TH AVE W, DULUTH, MN 55808-1903
Document Number	00A1369746
Instrument Date	Dec 13, 2019
Instrument	A1369746
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 98TH AVE W DULUTH MN 558081903, DULUTH, MN 55808-1903

Mortgage

Document Number	A1369747
Date	Dec 17, 2019
Instrument	A1369747

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2049

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	$2,900.00 (+12.75%)
2025	$2,572.00 (-0.77%)	$206,900 (+11%) Land $16,600 Building $190,300	$206,900 (+11%) Land $16,600 Building $190,300
2024	$2,592.00	$186,400 (+8.62%) Land $16,400 Building $170,000	$186,400 (+8.62%) Land $16,400 Building $170,000
2022		$171,600 Land $18,500 Building $153,100	$171,600 Land $18,500 Building $153,100

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 · 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	27 units insured incl. 26 condo units
Nearby Flood Claims	4 (2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 claims

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

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	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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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