521 N 12 1/2 Ave E, Duluth, MN 55805 Property Records

St. Louis County property record for 521 N 12 1/2 Ave E, Duluth, MN 55805

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 840 sqft · built 1903
Lot Size	0.058 acres (2,552 sqft)
Owner	Individual Name on File
Last Sale	$50,400 (Sep 2018)
Tax Bill	$2,492 (2026)
Deeds & Mortgages	Oct 2020 Mortgage May 2019 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-3840-00070`

Property Details

APN / Parcel Number

Primary APN	`010-3840-00070`
Alternative APN	`1070810`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	840 sqft Gross Area
1st Floor Area	840 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	2,552 sqft (0.058 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	45 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1070810
Street Address	521 N 12 1/2 AVE E
City	DULUTH
State	MN
Zip	55805-2318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0007 BLOCK:120 SERIAL #
Legal Subdivision	PORTLAND DIV TOWN OF DULUTH HO
Legal Block	120
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1008
Census Tract	1300

Owner

521 N 12 1/2 Ave E is owned by an individual who acquired it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	521 N 12TH AVE E, 12, DULUTH, MN 55805-2248
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
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
May 22, 2019	Grant Deed, Transfer TITLE ONE
Apr 3, 2019	Quit Claim Deed, Foreclosure ATTORNEY ONLY
Sep 11, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY
Oct 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2018 · Amount on File
Deed Sale	Sep 11, 2018 · Amount on File
Prior Sale	Oct 11, 2006 · Amount on File
Deed Document Number	20181002537
Last Transfer Date	Mar 29, 2019
Transfer Doc	0001009134
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	521 N 12 1/2 AVE E, DULUTH, MN 55805-2318
Document Number	00T1031137
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 N 12 1/2 AVE E DULUTH MN 558052318, DULUTH, MN 55805-2318

Mortgage

Document Number	00T1031137
Date	Oct 28, 2020
Instrument	T1031137

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 22, 2019
Property Address	521 N 12 1/2 AVE E, DULUTH, MN 55805-2318
Document Number	00T1010628
Instrument Date	May 15, 2019
Instrument	T1010628
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	TITLE ONE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 N 12 1/2 AVE E DULUTH MN 558052318, DULUTH, MN 55805-2318

April 2019: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 3, 2019
Property Address	521 N 12 1/2 AVE E, DULUTH, MN 55805-2318
Document Number	0001009134
Instrument Date	Mar 29, 2019
Instrument	1009134
Transaction Type	Foreclosure
Record Updated	Apr 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 11, 2018
Property Address	521 N 12 1/2 AVE E, DULUTH, MN 55805-2318
Document Number	00A1002537
Instrument Date	Sep 11, 2018
Instrument	A1002537
Transaction Type	Foreclosure
Record Updated	Sep 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$166.32
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	4801 FREDERICA ST OWENSBORO KY 423017441, OWENSBORO, KY 42301-7441
Investor	Possibly a Property Investor

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 27, 2017
Property Address	521 N 12 1/2 AVE E, DULUTH, MN 55805-2318
Document Number	000T991465
Instrument Date	Oct 27, 2017
Instrument	T991465
Transaction Type	Transfer
Record Updated	Nov 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 N 12 1/2 AVE E DULUTH MN 558052318, DULUTH, MN 55805-2318

Tax Assessment & Valuation

The 2026 property tax bill for 521 N 12 1/2 Ave E was $2,492, up 0.2% 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	$2,492.00 (+0.16%)
2025	$2,488.00 (+11.67%)	$173,200 (-3.88%) Land $8,500 Building $164,700	$173,200 (-3.88%) Land $8,500 Building $164,700
2024	$2,228.00	$180,200 Land $9,100 Building $171,100	$180,200 Land $9,100 Building $171,100
2022		$148,000 Land $10,200 Building $137,800	$148,000 Land $10,200 Building $137,800

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

Flood

FEMA maps place 521 N 12 1/2 Ave E 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

The area around 521 N 12 1/2 Ave E 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.

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 1,009 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Fidium Fiber.

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