521 99th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 521 99th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 916 sqft · built 1950
Lot Size	0.16 acres (7,003 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jun 2025)
Tax Bill	$2,426 (2026)
Deeds & Mortgages	Nov 2023 Sale Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3430-08720`

Property Details

APN / Parcel Number

Primary APN	`010-3430-08720`
Alternative APNs	`1183865` `20265`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	916 sqft Gross Area
1st Floor Area	916 sqft
Basement Area	687 sqft
Finished Basement	687 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Lot Area	7,003 sqft (0.16 acres)
Garage Area	288 sqft
Pool Type	Spa / Hot Tub (No Pool)
Storage Building	72 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1183865
Street Address	521 99TH AVE W
City	DULUTH
State	MN
Zip	55808-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 AND 6 SERIAL #
Legal Subdivision	NEW DULUTH FIRST DIVISION
Legal Block	27
Legal Lot Number	5-6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3045
Census Tract	3800

Owner

521 99th Ave W is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	521 99TH AVE W, DULUTH, MN 55808-1906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 9, 2023	Warranty Deed, Transfer NOT AVAILABLE, THE TITLE TEAM NORTH SHORE
Nov 9, 2023	Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU
Oct 18, 2019	Loan Modification, Mortgage · Conventional Mortgage PARK ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2025 · Amount on File
Deed Sale	Jun 24, 2025 · Amount on File
Prior Sale	Nov 9, 2023 · Amount on File
Deed Document Number	20251512475
Prior Transfer Date	May 19, 2010
Prior Transfer Doc	0001135301
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 9, 2023
Property Address	521 99TH AVE W, DULUTH, MN 55808-1906
Document Number	0001477855
Instrument Date	Oct 27, 2023
Instrument	1477855
Transaction Type	Transfer
Record Updated	Dec 8, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Tax	$288.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 99TH AVE W, DULUTH, MN 55808-1906

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 9, 2023
Property Address	521 99TH AVE W, DULUTH, MN 55808-1906
Document Number	0001477854
Instrument Date	Oct 27, 2023
Instrument	1477854
Transaction Type	Transfer
Record Updated	Dec 8, 2023
Title Company	THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Tax	$288.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 99TH AVE W, DULUTH, MN 55808-1906

Mortgage

Document Number	0001477856
Date	Nov 9, 2023
Instrument	1477856

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	521 99TH AVE W, DULUTH, MN 55808-1906
Document Number	00A1366628
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 99TH AVE W DULUTH MN 558081906, DULUTH, MN 55808-1906

Mortgage

Document Number	00A1366628
Date	Nov 1, 2019
Instrument	A1366628

Lender

Name	PARK ST BK
Type	Bank
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 31, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 521 99th Ave W was $2,426 with a homeowner's exemption, up 15.1% 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	$2,426.00 (+15.09%) Homeowner's exemption
2025	$2,108.00 Homeowner's exemption	$222,400 (+23.83%) Land $16,700 Building $205,700	$222,400 (+23.83%) Land $16,700 Building $205,700
2024		$179,600 Land $16,400 Building $163,200	$179,600 Land $16,400 Building $163,200
2023	$2,228.00 Homeowner's exemption
2022		$167,400 Land $18,500 Building $148,900	$167,400 Land $18,500 Building $148,900

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

Flood

FEMA maps place 521 99th Ave W in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

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	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

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

Wildfire risk around 521 99th Ave W 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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