544 Park St, Duluth, MN 55803 Property Records

St. Louis County property record for 544 Park St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 864 sqft · built 1973
Lot Size	0.332 acres (14,488 sqft)
Owner	Individual Name on Record
Last Sale	$432,000 (Aug 2024)
Tax Bill	$4,780 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0100-00150`

Property Details

APN / Parcel Number

Primary APN	`010-0100-00150`
Alternative APNs	`1077493` `1170622`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	648 sqft
Finished Basement	648 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	14,488 sqft (0.332 acres)
Garage Area	672 sqft
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1170622
Street Address	544 PARK ST
City	DULUTH
State	MN
Zip	55803-2180
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 148 FT OF LOT 210 EX NLY 7 FT ANDNLY 148 FT OF LOT 211 EX NLY 7 FT & EXELY 30 FT SERIAL #
Legal Subdivision	AUDITOR S PLAT OF MORNINGSIDE TRACTS
Legal Lot Number	210-211
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2016
Census Tract	500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	544 PARK ST, DULUTH, MN 55803-2180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Intrafamily Transfer, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Sep 16, 2019	Warranty Deed, Transfer · VA Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2024 · Amount on Record
Deed Sale	Aug 26, 2024 · Amount on Record
Prior Sale	Sep 21, 2023 · Amount on Record
Deed Document Number	20241082414
Last Transfer Date	Oct 20, 2025
Transfer Doc	0001095362
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Sep 21, 2023
Property Address	544 PARK ST, DULUTH, MN 55803-2180
Document Number	0001072580
Instrument Date	Sep 14, 2023
Instrument	1072580
Transaction Type	Transfer
Record Updated	Oct 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	544 PARK ST, DULUTH, MN 55803-2180

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	544 PARK ST, DULUTH, MN 55803-2180

Mortgage

Document Number	0001072581
Date	Sep 21, 2023
Instrument	1072581

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 16, 2019
Property Address	544 PARK ST, DULUTH, MN 55803-2180
Document Number	00T1015050
Instrument Date	Sep 16, 2019
Instrument	T1015050
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$914.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	544 PARK ST DULUTH MN 558032180, DULUTH, MN 55803-2180

Mortgage

Document Number	T1015051
Date	Sep 16, 2019
Instrument	T1015051

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 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	$4,780.00 (+21.14%) Homeowner's exemption
2025	$3,946.00 (+15,684%) Homeowner's exemption	$368,500 (+21.1%) Land $66,500 Building $302,000	$368,500 (+21.1%) Land $66,500 Building $302,000
2024		$304,300 (+17.85%) Land $62,000 Building $242,300	$304,300 (+17.85%) Land $62,000 Building $242,300
2022	$25.00	$258,200 Land $46,200 Building $212,000	$258,200 Land $46,200 Building $212,000

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 Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1997 · Severe Flooding, High Winds,severe Storms

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	Direct burnable vegetation

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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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