St. Louis County property record for 516 Elk St, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 731 sqft · built 1941 |
| Lot Size | 0.49 acres (21,348 sqft) |
| Owner | Individual Name on File |
| Last Sale | $173,000 (Jul 2026) |
| Tax Bill | $1,936 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jan 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2010-00080 |
| Primary APN | 010-2010-00080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 731 sqft Gross Area |
| 1st Floor Area | 731 sqft |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Lot Area | 21,348 sqft (0.49 acres) |
| Garage Area | 780 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Gas |
| Account Number | 1177186 |
|---|---|
| Street Address | 516 ELK ST |
| City | DULUTH |
| State | MN |
| Zip | 55803-1456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 1/2 SERIAL # |
| Legal Subdivision | GREYSOLON FARMS 1ST DIV OF DUL |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 100 |
516 Elk St is owned and occupied by an individual who bought it in July 2026.
Source: St. Louis County records, as of October 20, 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 | 516 ELK ST, DULUTH, MN 55803-1456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Jul 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage GRANITE BANK |
| Jan 12, 2023 | Deed of Trust, Mortgage · Commercial Mortgage NATIONAL BANK OF COMMERCE |
| Dec 4, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jun 3, 2019 | Warranty Deed, Transfer NORTH SHORE TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2026 · Amount on File |
| Deed Sale | Jul 7, 2026 · Amount on File |
| Prior Sale | Dec 30, 2024 · Amount on File |
| Deed Document Number | 20261103223 |
| Prior Transfer Date | Apr 14, 2010 |
| Prior Transfer Doc | 0000883347 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 7, 2026 |
| Property Address | 516 ELK ST, DULUTH, MN 55803-1456 |
| Document Number | 0001103223 |
| Instrument Date | May 14, 2026 |
| Instrument | 20261103223 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2026 |
| Title Company | ST LOUIS TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,660.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 516 ELK ST, DULUTH, MN 55803-1456 |
| Document Number | 0001103224, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 20261103224 |
| Name | GRANITE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0001103225, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 20261103225 |
| Name | GRANITE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 30 Months |
| Due | Jun 1, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 516 ELK ST, DULUTH, MN 55803-1456 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5170 GORTIN RD, DULUTH, MN 55803-9303 |
| Document Number | 0001065264 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 1065264 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 4, 2019 |
| Property Address | 516 ELK ST, DULUTH, MN 55803-1456 |
| Document Number | 00T1018148 |
| Instrument Date | Oct 29, 2019 |
| Instrument | T1018148 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1.65 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5170 GORTIN RD DULUTH MN 558039303, DULUTH, MN 55803-9303 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 3, 2019 |
| Property Address | 516 ELK ST, DULUTH, MN 55803-1456 |
| Document Number | 00T1011039 |
| Instrument Date | May 30, 2019 |
| Instrument | T1011039 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2019 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $82.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 5170 MORTIN RD DULUTH MN 55803, DULUTH, MN 55803 |
The 2026 property tax bill for 516 Elk St was $1,936 with a homeowner's exemption, down 1% 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 | $1,936.00 (-10.04%) Homeowner's exemption | ||
| 2025 | $2,152.00 (+81.45%) | $162,800 (+4.63%) Land $53,700 Building $109,100 | $162,800 (+4.63%) Land $53,700 Building $109,100 |
| 2024 | $1,186.00 | $155,600 Land $48,500 Building $107,100 | $155,600 Land $48,500 Building $107,100 |
| 2022 | $71,300 Land $44,400 Building $26,900 | $71,300 Land $44,400 Building $26,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 516 Elk 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 | 1 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 risk around 516 Elk 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.
Source: FCC Broadband Data Collection, based on 27 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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