531 98th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 531 98th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1923
Lot Size	0.321 acres (14,006 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (Oct 2019)
Tax Bill	$2,096 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3430-09010`

Property Details

APN / Parcel Number

Primary APN	`010-3430-09010`
Alternative APN	`1078436`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1985
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	14,006 sqft (0.321 acres)
Garage Area	484 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	140 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1078436
Street Address	531 98TH AVE W
City	DULUTH
State	MN
Zip	55808-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 THRU 4 SERIAL #
Legal Subdivision	NEW DULUTH 1ST DIVISION
Legal Block	28
Legal Lot Number	1-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2031
Census Tract	3800

Owner

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 Record
Mailing Address	531 98TH AVE W, DULUTH, MN 55808-1904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 1, 2019	Warranty Deed, Transfer · FHA Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	Nov 23, 2015 · Amount on Record
Deed Document Number	20191364469
Prior Transfer Date	Oct 19, 2015
Prior Transfer Doc	0001274352
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	531 98TH AVE W, DULUTH, MN 55808-1904
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001431701
Date	Dec 6, 2021
Instrument	1431701

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Oct 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 1, 2019
Property Address	531 98TH AVE W, DULUTH, MN 55808-1904
Document Number	00A1364469
Instrument Date	Sep 23, 2019
Instrument	A1364469
Transaction Type	Transfer
Record Updated	Dec 11, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.40

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 98TH AVE W DULUTH MN 558081904, DULUTH, MN 55808-1904

Mortgage

Document Number	A1364470
Date	Oct 1, 2019
Instrument	A1364470

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

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	$2,096.00 (+14.91%) Homeowner's exemption
2025	$1,824.00 (-6.17%) Homeowner's exemption	$177,200 (+10.47%) Land $23,300 Building $153,900	$177,200 (+10.47%) Land $23,300 Building $153,900
2024	$1,944.00	$160,400 (+5.32%) Land $22,900 Building $137,500	$160,400 (+5.32%) Land $22,900 Building $137,500
2022		$152,300 Land $25,900 Building $126,400	$152,300 Land $25,900 Building $126,400

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

Flood

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	27 units insured incl. 26 condo units
Nearby Flood Claims	4 (2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 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

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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