623 N 43rd Ave W, Duluth, MN 55807 Property Records

St. Louis County property record for 623 N 43rd Ave W, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,320 sqft · built 1923
Lot Size	0.096 acres (4,198 sqft)
Owner	Individual Name on File
Last Sale	$141,500 (Dec 2018)
Tax Bill	$2,336 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0830-02080`

Property Details

APN / Parcel Number

Primary APN	`010-0830-02080`
Alternative APN	`1063548`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,320 sqft Gross Area
1st Floor Area	792 sqft
Basement Area	200 sqft
Finished Basement	200 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	4,198 sqft (0.096 acres)
Garage Area	240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	70 sqft
Deck Area	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1063548
Street Address	623 N 43RD AVE W
City	DULUTH
State	MN
Zip	55807-1543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 42 FT OF LOTS 13 THRU 16 SERIAL #
Legal Subdivision	DICKERMANS ADDITION
Legal Block	32
Legal Lot Number	13-16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4004
Census Tract	15800

Owner

623 N 43rd Ave W is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	623 N 43RD AVE W, DULUTH, MN 55807-1543
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
Feb 5, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Dec 13, 2018	Warranty Deed, Transfer · FHA Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2018 · Amount on File
Deed Sale	Dec 13, 2018 · Amount on File
Prior Sale	May 27, 2014 · Amount on File
Deed Document Number	20181005997
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	623 N 43RD AVE W, DULUTH, MN 55807-1543
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 N 43RD AVE W, DULUTH, MN 55807-1543

Mortgage

Document Number	0001076751
Date	Feb 5, 2024
Instrument	1076751

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	298 Months
Due	Dec 1, 2048

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 13, 2018
Property Address	623 N 43RD AVE W, DULUTH, MN 55807-1543
Document Number	00T1005997
Instrument Date	Nov 30, 2018
Instrument	T1005997
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Tax	$466.95
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	623 N 43RD AVE W DULUTH MN 558071543, DULUTH, MN 55807-1543

Mortgage

Document Number	T1005998
Date	Dec 13, 2018
Instrument	T1005998

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2048

Mortgage

Document Number	T1005999,
Date	Dec 13, 2018
Instrument	T1005999

Lender

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

Agreement

Amount	Amount on Record
Term	120 Months
Due	Dec 12, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 623 N 43rd Ave W was $2,336 with a homeowner's exemption, up 0.3% 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	$2,336.00 (+0.34%) Homeowner's exemption
2025	$2,328.00 (+2.19%) Homeowner's exemption	$210,000 (+7.91%) Land $10,800 Building $199,200	$210,000 (+7.91%) Land $10,800 Building $199,200
2024	$2,278.00	$194,600 Land $11,600 Building $183,000	$194,600 Land $11,600 Building $183,000
2022		$183,500 Land $10,700 Building $172,800	$183,500 Land $10,700 Building $172,800

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

Flood

FEMA maps place 623 N 43rd Ave W 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 623 N 43rd Ave W 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 735 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
Airfiber Fixed Wireless	100 / 20

May also be available: CTC, Fidium Fiber.

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