St. Louis County property record for 515 N 40th Ave W, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,277 sqft · built 1910 |
| Lot Size | 0.094 acres (4,128 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Apr 2013) |
| Tax Bill | $2,368 (2026) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0480-01340 |
| Primary APN | 010-0480-01340 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,277 sqft Gross Area |
| 1st Floor Area | 877 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,128 sqft (0.094 acres) |
| Garage Area | 280 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 114 sqft |
| Deck Area | 42 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 948640 |
|---|---|
| Street Address | 515 N 40TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55807-1661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 41 1/4 FT OF LOTS 17 THRU 20 SERIAL # |
| Legal Subdivision | CHANDLER PARK ADD TO DULUTH |
| Legal Block | 8 |
| Legal Lot Number | 17-20 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 15800 |
515 N 40th Ave W is owned and occupied by an individual who bought it in April 2013.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 515 N 40TH AVE W, DULUTH, MN 55807-1661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2013 · Amount on File |
| Deed Sale | Apr 4, 2013 · Amount on File |
| Deed Document Number | 20131210948 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 515 N 40TH AVE W, DULUTH, MN 55807-1661 |
| Document Number | 00A1317823 |
| Instrument Date | Aug 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 515 N 40TH AVE W DULUTH MN 558071661, DULUTH, MN 55807-1661 |
| Document Number | 00A1317823 |
|---|---|
| Date | Sep 19, 2017 |
| Instrument | A1317823 |
| Name | NEIGHBORHOOD HOUSING SVCS OF DULUTH INC NEIGHBORHOOD HOUSING SVCS OF DULUTH INC |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55805 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 18, 2027 |
| Rate | 3% |
|---|
The 2026 property tax bill for 515 N 40th Ave W was $2,368 with a homeowner's exemption, up 0.3% from the year before.
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 | $2,368.00 (+0.25%) Homeowner's exemption | ||
| 2025 | $2,362.00 (+2.43%) Homeowner's exemption | $212,500 (+7.98%) Land $10,600 Building $201,900 | $212,500 (+7.98%) Land $10,600 Building $201,900 |
| 2024 | $2,306.00 | $196,800 Land $11,300 Building $185,500 | $196,800 Land $11,300 Building $185,500 |
| 2022 | $167,200 Land $10,400 Building $156,800 | $167,200 Land $10,400 Building $156,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 N 40th Ave W in Zone X, an area of minimal flood risk.
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.
The area around 515 N 40th Ave W has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 735 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 |
| Airfiber Fixed Wireless | 100 / 20 |
May also be available: CTC, Fidium Fiber.
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