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

St. Louis County property record for 525 N 12 1/2 Ave E, Duluth, MN 55805

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1903
Lot Size	0.058 acres (2,552 sqft)
Owner	Individual Name on File
Tax Bill	$1,736 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3840-00060`

Property Details

APN / Parcel Number

Primary APN	`010-3840-00060`
Alternative APN	`1107687`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
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

Exterior

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

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	1107687
Street Address	525 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: 0006 BLOCK:120 SERIAL #
Legal Subdivision	PORTLAND DIV TOWN OF DULUTH HO
Legal Block	120
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1008
Census Tract	1300

Owner

525 N 12 1/2 Ave E is owned and occupied by an individual.

Source: St. Louis County records, as of August 17, 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	525 N 12 1/2 AVE E, DULUTH, MN 55805-2318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HOUSING SERVICES OF DULTH

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	525 N 12 1/2 AVE E, DULUTH, MN 55805-2318
Transaction Type	Mortgage
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 N 12 1/2 AVE E, DULUTH, MN 55805-2318

Mortgage

Document Number	0001074941
Date	Dec 4, 2023
Instrument	1074941

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	478 Months
Due	Oct 1, 2063

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	525 N 12 1/2 AVE E, DULUTH, MN 55805-2318
Document Number	00T1018938
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Jan 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 N 12 1/2 AVE W DULUTH MN 55805, DULUTH, MN 55805

Mortgage

Document Number	00T1018938
Date	Dec 24, 2019
Instrument	T1018938

Lender

Name	NEIGHBORHOOD HOUSING SERVICES OF DULTH
Type	Bank
Address	DULUTH, MN 55805

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 23, 2034

Interest

Rate	3%

Tax Assessment & Valuation

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	$1,736.00 (-18.8%) Homeowner's exemption Disabled Person's exemption
2025	$2,138.00 (+9.42%) Homeowner's exemption	$174,700 (-3.85%) Land $8,500 Building $166,200	$174,700 (-3.85%) Land $8,500 Building $166,200
2024	$1,954.00	$181,700 (+21.78%) Land $9,100 Building $172,600	$181,700 (+21.78%) Land $9,100 Building $172,600
2022		$149,200 Land $10,200 Building $139,000	$149,200 Land $10,200 Building $139,000

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

Flood

FEMA maps place 525 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 525 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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