616 Atlantic Ave, Duluth, MN 55806 Property Records

St. Louis County property record for 616 Atlantic Ave, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 897 sqft · built 1913
Lot Size	0.077 acres (3,353 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jul 2026)
Tax Bill	$1,366 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0340-01480`

Property Details

APN / Parcel Number

Primary APN	`010-0340-01480`
Alternative APNs	`1152689` `649257`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	897 sqft Gross Area
1st Floor Area	598 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	3,353 sqft (0.077 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	100 sqft
Deck Area	160 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	1152689
Street Address	616 ATLANTIC AVE
City	DULUTH
State	MN
Zip	55806-1346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 31 FT OF SLY 62 FT OF LOTS 1 2 AND3 SERIAL #
Legal Subdivision	BRYANT ADD TO DULUTH SECOND DI
Legal Block	10
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2009
Census Tract	2600

Owner

616 Atlantic Ave is owned and occupied by an individual who bought it in July 2026.

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

Owner of Record	Individual Name on File
Mailing Address	616 ATLANTIC AVE, DULUTH, MN 55806-1346
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 7, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FEDERAL CREDIT UNION
Aug 7, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Aug 7, 2023 · Amount on File
Deed Document Number	20261103241
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 7, 2026
Property Address	616 ATLANTIC AVE, DULUTH, MN 55806-1346
Document Number	0001103241
Instrument Date	Jun 10, 2026
Instrument	20261103241
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,327.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 ATLANTIC AVE, DULUTH, MN 55806-1346

Mortgage

Document Number	0001103242,
Date	Jul 7, 2026
Instrument	20261103242

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 15, 2046

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 7, 2023
Property Address	616 ATLANTIC AVE, DULUTH, MN 55806-1346
Document Number	0001070965
Instrument Date	Aug 1, 2023
Instrument	1070965
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	616 ATLANTIC AVE, DULUTH, MN 55806-1346

Mortgage

Document Number	0001070966
Date	Aug 7, 2023
Instrument	1070966

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 616 Atlantic Ave was $1,366 with a homeowner's exemption, up 16% 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	$1,366.00 (+15.96%) Homeowner's exemption
2025	$1,178.00 (+6.32%) Homeowner's exemption	$134,000 (+14.92%) Land $12,700 Building $121,300	$134,000 (+14.92%) Land $12,700 Building $121,300
2024	$1,108.00 (+7.57%)	$116,600 Land $15,200 Building $101,400	$116,600 Land $15,200 Building $101,400
2023	$1,030.00 Homeowner's exemption
2022		$93,200 (+33.33%) Land $13,400 Building $79,800	$93,200 (+33.33%) Land $13,400 Building $79,800
2021		$69,900 Land $6,700 Building $63,200	$69,900 Land $6,700 Building $63,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 616 Atlantic Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 616 Atlantic Ave 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Airfiber Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Atlantic Ave

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