St. Louis County property record for 518 N 12th Ave E, Duluth, MN 55805
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 840 sqft · built 1903 |
| Lot Size | 0.051 acres (2,251 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Mar 2023) |
| Tax Bill | $2,558 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Sep 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3840-00010 |
| Primary APN | 010-3840-00010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Gross Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 420 sqft |
| Finished Basement | 420 sqft |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1903 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 2,251 sqft (0.051 acres) |
| Garage Type | Basement |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 45 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1145990 |
|---|---|
| Street Address | 518 N 12TH AVE E |
| City | DULUTH |
| State | MN |
| Zip | 55805-2231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0001 BLOCK:120 SERIAL # |
| Legal Subdivision | PORTLAND DIV TOWN OF DULUTH HO |
| Legal Block | 120 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1300 |
Source: St. Louis County records · APN 010-3840-00010
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 518 N 12TH AVE E, DULUTH, MN 55805-2231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Sep 16, 2020 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| May 11, 2020 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 20, 2023 · Amount on Record |
| Deed Sale | Mar 20, 2023 · Amount on Record |
| Prior Sale | May 24, 2016 · Amount on Record |
| Deed Document Number | 20231066832 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 20, 2023 |
| Property Address | 518 N 12TH AVE E, DULUTH, MN 55805-2231 |
| Document Number | 0001066832 |
| Instrument Date | Mar 13, 2023 |
| Instrument | 1066832 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $726.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 518 N 12TH AVE E, DULUTH, MN 55805-2231 |
| Document Number | 0001066833 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 1066833 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Apr 01, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.8% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 518 N 12TH AVE E, DULUTH, MN 55805-2231 |
| Document Number | 00T1029325 |
| Instrument Date | Sep 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 518 N 12TH AVE E DULUTH MN 558052231, DULUTH, MN 55805-2231 |
| Document Number | 00T1029325 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | T1029325 |
| Name | HARBOR POINTE CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 21, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 518 N 12TH AVE E, DULUTH, MN 55805-2231 |
| Document Number | 00T1024078 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 518 N 12TH AVE E DULUTH MN 558052231, DULUTH, MN 55805-2231 |
| Document Number | 00T1024078 |
|---|---|
| Date | Jun 03, 2020 |
| Instrument | T1024078 |
| Name | HARBOR POINTE CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 02, 2030 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,558.00 (-0.62%) Homeowner's exemption | ||
| 2025 | $2,574.00 (+10.38%) Homeowner's exemption | $203,000 (-3.88%) Land $7,400 Building $195,600 | $203,000 (-3.88%) Land $7,400 Building $195,600 |
| 2024 | $2,332.00 | $211,200 (+25.04%) Land $8,000 Building $203,200 | $211,200 (+25.04%) Land $8,000 Building $203,200 |
| 2022 | $168,900 Land $8,900 Building $160,000 | $168,900 Land $8,900 Building $160,000 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370013001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 1,009 locations within half a mile · Last verified October 2026
| 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Consolidated Communications.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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