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524 1st St, Duluth, MN 55810 Property Records

St. Louis County property record for 524 1st St, Duluth, MN 55810

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.75 ba · 1,302 sqft · built 1910
Lot Size0.244 acres (10,650 sqft)
OwnerIndividual Name on File
Last Sale$197,618 (Apr 2021)
Tax Bill$2,866 (2026)
Deeds & MortgagesApr 2021 Mortgage
Apr 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN185-0010-00410

Property Details

APN / Parcel Number

Primary APN185-0010-00410
Alternative APN
  • 1106631

Interior

Bedrooms4 Beds
Full Baths1.75 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area1,302 sqft Gross Area
1st Floor Area744 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area10,650 sqft (0.244 acres)
Garage Area768 sqft
PorchPorch
Porch Area158 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account Number1106631
Street Address524 1ST ST
CityDULUTH
StateMN
Zip55810-1608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 7 8 AND 9 SERIAL #
Legal SubdivisionPROCTORKNOTT TOWNSITE OF
Legal Block3
Legal Lot Number7-8
JurisdictionST LOUIS MN
Township / Civil DivisionPROCTOR
Census Block Group3
Census Block3005
Census Tract10100

Owner

Source: St. Louis County assessment roll, APN 185-0010-00410, as of 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 RecordIndividual Name on File
Mailing Address524 1ST ST, DULUTH, MN 55810-1608
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 05, 2021Deed of Trust, Mortgage · Stand-Alone First Mortgage
NORTH SHORE BANK OF COMMERCE
Apr 05, 2021Warranty Deed, Subdivision Related Transfer · FHA Mortgage
NORTH SHORE BANK OF COMMERCE
Apr 15, 2020Warranty Deed, Transfer
ATTORNEY ONLY
May 29, 2019Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 05, 2021 · Amount on Record
Deed SaleApr 05, 2021 · Amount on Record
Deed Document Number20211409162
Record UpdatedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address524 1ST ST, DULUTH, MN 55810-1608
Transaction TypeMortgage
Record UpdatedOct 02, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0001409164
DateApr 05, 2021
Instrument1409164
Lender
NameNORTH SHORE BANK OF COMMERCE
TypeBank
AddressDULUTH, MN 55802
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051

April 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateApr 05, 2021
Property Address524 1ST ST, DULUTH, MN 55810-1608
Document Number0001409162
Instrument DateMar 11, 2021
Instrument1409162
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 03, 2021
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$652.14
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address524 1ST ST, PROCTOR, MN 55810-1608

Mortgage

Document Number0001409163
DateApr 05, 2021
Instrument1409163
Lender
NameNORTH SHORE BANK OF COMMERCE
TypeBank
AddressDULUTH, MN 55802
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateApr 15, 2020
Property Address524 1ST ST, DULUTH, MN 55810-1608
Document Number00A1377448
Instrument DateMar 06, 2020
InstrumentA1377448
Transaction TypeTransfer
Record UpdatedJun 12, 2020
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address28 STH ST PROCTOR MN 55810, PROCTOR, MN 55810

May 2019: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionST LOUIS MN
Recording DateMay 29, 2019
Property Address524 1ST ST, DULUTH, MN 55810-1608
Document Number00A1355523
Instrument DateMay 29, 2019
InstrumentA1355523
Transaction TypeForeclosure
Record UpdatedJun 10, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$231.44
Amount AccuracyConfirmed
Additional
  • Notice of Trustee Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
Address1 HOME CAMPUS DES MOINES IA 503280001, DES MOINES, IA 50328-0001
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: St. Louis County assessment roll as of August 17, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityProctor City
Unified School DistrictProctor Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$2,866.00 (+56.1%) Homeowner's exemption
2025$1,836.00 (+8.38%) Homeowner's exemption$223,500 (+40.57%) Land $22,700 Building $200,800$223,500 (+40.57%) Land $22,700 Building $200,800
2024$1,694.00$159,000 (+30.54%) Land $18,600 Building $140,400$159,000 (+30.54%) Land $18,600 Building $140,400
2022$121,800 Land $14,000 Building $107,800$121,800 Land $14,000 Building $107,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370101003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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.

Internet Providers

Source: FCC Broadband Data Collection, 144 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Mediacom Communications
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
AirFiber
Fixed Wireless		100 / 20

May also be available: Spectrum, T-Mobile USA.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1690042, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemProctor
serves 3,099 people
Water SourcePurchased surface water from Duluth
Last State InspectionNov 2025
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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. The full violation and enforcement history is in the system's EPA record.

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