5321 Tioga St, Duluth, MN 55804 Property Records

St. Louis County property record for 5321 Tioga St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,389 sqft · built 1926
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$247,000 (Aug 2018)
Tax Bill	$4,710 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3080-02390`

Property Details

APN / Parcel Number

Primary APN	`010-3080-02390`
Alternative APN	`1086797`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,389 sqft Gross Area
1st Floor Area	882 sqft
Basement Area	441 sqft
Finished Basement	441 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	720 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	80 sqft
Deck Area	216 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1086797
Street Address	5321 TIOGA ST
City	DULUTH
State	MN
Zip	55804-1669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0015 BLOCK:009 SERIAL #
Legal Subdivision	ALTERED LONDON PARK ADD TO DUL
Legal Block	9
Legal Lot Number	15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2017
Census Tract	200

Owner

5321 Tioga St is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	5321 TIOGA ST, DULUTH, MN 55804-1669
Occupancy	Owner Occupied
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
Jul 9, 2019	Deed of Trust, Mortgage · Conventional with PMI ENVISION CAP
Aug 22, 2018	Warranty Deed, Transfer · Conventional with PMI ENVISION CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2018 · Amount on File
Deed Sale	Aug 22, 2018 · Amount on File
Prior Sale	Aug 19, 2010 · Amount on File
Deed Document Number	20181339100
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5321 TIOGA ST, DULUTH, MN 55804-1669
Document Number	00A1358648
Instrument Date	Jul 9, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5321 TIOGA ST DULUTH MN 558041669, DULUTH, MN 55804-1669

Mortgage

Document Number	00A1358648
Date	Jul 16, 2019
Instrument	A1358648

Lender

Name	ENVISION CAP
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 22, 2018
Property Address	5321 TIOGA ST, DULUTH, MN 55804-1669
Document Number	00A1339100
Instrument Date	Aug 15, 2018
Instrument	A1339100
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$815.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5321 TIOGA ST DULUTH MN 558041669, DULUTH, MN 55804-1669

Mortgage

Document Number	A1339101
Date	Aug 22, 2018
Instrument	A1339101

Lender

Name	ENVISION CAP
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 5321 Tioga St was $4,710 with a homeowner's exemption, up 7.3% 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	$4,710.00 (+7.29%) Homeowner's exemption
2025	$4,390.00 (-4.06%) Homeowner's exemption	$356,100 (+6.49%) Land $47,800 Building $308,300	$356,100 (+6.49%) Land $47,800 Building $308,300
2024	$4,576.00	$334,400 Land $46,200 Building $288,200	$334,400 Land $46,200 Building $288,200
2022		$302,800 Land $35,500 Building $267,300	$302,800 Land $35,500 Building $267,300

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

Flood

FEMA maps place 5321 Tioga St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 5321 Tioga St 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	None beyond 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 612 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

May also be available: Verizon.

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