St. Louis County property record for 514 Ebony Ave, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 1,240 sqft · built 1934 |
| Lot Size | 0.969 acres (42,239 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $143,900 (Sep 2013) |
| Tax Bill | $3,716 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3184-00030 |
| Primary APN | 010-3184-00030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,240 sqft Gross Area |
| 1st Floor Area | 1,240 sqft |
| Basement Area | 930 sqft |
| Finished Basement | 930 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 42,239 sqft (0.969 acres) |
| Garage Area | 720 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 24 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Gas |
| Account Number | 956324 |
|---|---|
| Street Address | 514 EBONY AVE |
| City | DULUTH |
| State | MN |
| Zip | 55811-5008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 3 THRU 6 SERIAL # |
| Legal Subdivision | MAPLE KNOLL SUBDIVISION FIRST ADDITION |
| Legal Lot Number | 3-6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 301 |
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 EBONY AVE, DULUTH, MN 55811-5008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN NATIONAL BANK |
| Jan 19, 2024 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN NATIONAL BANK |
| Dec 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN NATIONAL BANK |
| Jul 23, 2021 | Intrafamily Transfer, Transfer |
| Mar 13, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage WESTERN NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2013 · Amount on Record |
| Deed Sale | Sep 3, 2013 · Amount on Record |
| Deed Document Number | 2013935547 |
| Last Transfer Date | Jul 9, 2021 |
| Transfer Doc | 0001044214 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 13, 2026 |
| Property Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Document Number | 0001100446 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 20261100446 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Document Number | 0001100446, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 20261100446 |
| Name | WESTERN NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Document Number | 0001076294 |
|---|---|
| Date | Jan 19, 2024 |
| Instrument | 1076294 |
| Name | WESTERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.75% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | 6 Months |
| Min Rate At Change | 6.75% |
| Max Rate At Change | 10.7% |
| Max Rate | 18.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001050837 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 1050837 |
| Name | WESTERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 23, 2021 |
| Property Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Document Number | 0001044214 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 1044214 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 13, 2018 |
| Property Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Document Number | 0000995846 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 995846 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2021 |
| Title Company | NORTH SHORE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 514 EBONY AVE, DULUTH, MN 55811-5008 |
| Document Number | 0000995847 |
|---|---|
| Date | Mar 13, 2018 |
| Instrument | 995847 |
| Name | WESTERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $3,716.00 (+2.99%) Homeowner's exemption | ||
| 2025 | $3,608.00 (+6.31%) Homeowner's exemption | $321,600 (+14.29%) Land $78,500 Building $243,100 | $321,600 (+14.29%) Land $78,500 Building $243,100 |
| 2024 | $3,394.00 | $281,400 (+14.44%) Land $57,400 Building $224,000 | $281,400 (+14.44%) Land $57,400 Building $224,000 |
| 2022 | $245,900 Land $61,700 Building $184,200 | $245,900 Land $61,700 Building $184,200 |
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 · 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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
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 163 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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