515 Pacific Ave, Duluth, MN 55806 Property Records

St. Louis County property record for 515 Pacific Ave, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,329 sqft · built 1908
Lot Size	0.071 acres (3,127 sqft)
Owner	Individual Name on File
Last Sale	$3,000 (Dec 2021)
Tax Bill	$2,422 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-4430-02635`

Property Details

APN / Parcel Number

Primary APN	`010-4430-02635`
Alternative APN	`1084969`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,329 sqft Gross Area
1st Floor Area	689 sqft
Basement Area	517 sqft
Finished Basement	517 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	3,127 sqft (0.071 acres)
Garage Area	480 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	98 sqft
Deck Area	64 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1084969
Street Address	515 PACIFIC AVE
City	DULUTH
State	MN
Zip	55806-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLY 1/2 OF LOTS 11 AND 12 SERIAL #
Legal Subdivision	WALBANKS ADDITION
Legal Block	21
Legal Lot Number	11-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2009
Census Tract	2600

Owner

515 Pacific Ave is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	515 PACIFIC AVE, DULUTH, MN 55806-1356
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
Dec 22, 2021	Quit Claim Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Jan 29, 2020	Warranty Deed, Transfer NORTH SHORE TITLE
Jan 28, 2020	Deed of Trust, Mortgage MEMBERS COOPERATIVE CU
Jan 29, 2020	Quit Claim Deed, Transfer NORTH SHORE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Jan 29, 2020 · Amount on File
Deed Document Number	20211433380
Prior Transfer Date	Dec 14, 2021
Prior Transfer Doc	0001433380
Record Updated	Sep 20, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 22, 2021
Property Address	515 PACIFIC AVE, DULUTH, MN 55806-1356
Document Number	0001433380
Instrument Date	Dec 14, 2021
Instrument	1433380
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	NORTH SHORE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 PACIFIC AVE, DULUTH, MN 55806-1356

Mortgage

Document Number	0001433381
Date	Dec 22, 2021
Instrument	1433381

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 29, 2020
Property Address	515 PACIFIC AVE, DULUTH, MN 55806-1356
Document Number	00A1372481
Instrument Date	Jan 28, 2020
Instrument	A1372481
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$479.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 PACIFIC AVE DULUTH MN 558061356, DULUTH, MN 55806-1356

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	515 PACIFIC AVE, DULUTH, MN 55806-1356
Document Number	00A1372482
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 PACIFIC AVE DULUTH MN 558061356, DULUTH, MN 55806-1356

Mortgage

Document Number	00A1372482
Date	Jan 29, 2020
Instrument	A1372482

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 29, 2020
Property Address	515 PACIFIC AVE, DULUTH, MN 55806-1356
Document Number	00A1372480
Instrument Date	Jan 27, 2020
Instrument	A1372480
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$287.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	515 PACIFIC AVE DULUTH MN 558061356, DULUTH, MN 55806-1356

Tax Assessment & Valuation

The 2026 property tax bill for 515 Pacific Ave was $2,422 with a homeowner's exemption, up 14.7% 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	$2,422.00 (+14.68%) Homeowner's exemption
2025	$2,112.00 (+5.28%) Homeowner's exemption	$194,400 (+16.55%) Land $11,800 Building $182,600	$194,400 (+16.55%) Land $11,800 Building $182,600
2024	$2,006.00	$166,800 Land $14,200 Building $152,600	$166,800 Land $14,200 Building $152,600
2022		$138,200 Land $12,500 Building $125,700	$138,200 Land $12,500 Building $125,700

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

Flood

FEMA maps place 515 Pacific Ave 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.

Wildfire

Wildfire risk around 515 Pacific Ave is low, with less than 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 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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