624 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 624 N Central Ave, Duluth, MN 55807

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 2,332 sqft · built 1907
Lot Size	0.131 acres (5,705 sqft)
Owner	Individual Name on File
Last Sale	$137,000 (Sep 2021)
Tax Bill	$3,790 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4520-13760`

Property Details

APN / Parcel Number

Primary APN	`010-4520-13760`
Alternative APN	`1116271`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,332 sqft Gross Area
1st Floor Area	1,234 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1955
Architectural Style	Duplex Single
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	5,705 sqft (0.131 acres)
Garage Area	396 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	136 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1116271
Street Address	624 N CENTRAL AVE
City	DULUTH
State	MN
Zip	55807-1303
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT: 0005 BLOCK:098 SERIAL #
Legal Subdivision	WEST DULUTH SIXTH DIVISION
Legal Block	98
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5015
Census Tract	15800

Owner

624 N Central Ave, a residential property, is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	624 N CENTRAL AVE, DULUTH, MN 55807-1303
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Prior Sale	Oct 16, 2015 · Amount on File
Deed Document Number	20211423599
Prior Transfer Date	Aug 27, 2015
Prior Transfer Doc	0001268584
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 2, 2021
Property Address	624 N CENTRAL AVE, DULUTH, MN 55807-1303
Document Number	0001423599
Instrument Date	Aug 12, 2021
Instrument	1423599
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	624 N CENTRAL AVE, DULUTH, MN 55807-1303

Mortgage

Document Number	0001423600
Date	Sep 2, 2021
Instrument	1423600

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 1, 2046

Tax Assessment & Valuation

The 2026 property tax bill for 624 N Central Ave was $3,790 with a homeowner's exemption, down 9.8% 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	$3,790.00 (-9.85%) Homeowner's exemption
2025	$4,204.00 (+1.3%) Homeowner's exemption	$245,900 (+7.8%) Land $14,600 Building $231,300	$245,900 (+7.8%) Land $14,600 Building $231,300
2024	$4,150.00 (+25.53%)	$228,100 Land $15,700 Building $212,400	$228,100 Land $15,700 Building $212,400
2023	$3,306.00 Homeowner's exemption
2022		$187,100 (+34.8%) Land $14,200 Building $172,900	$187,100 (+34.8%) Land $14,200 Building $172,900
2021		$138,800 Land $10,700 Building $128,100	$138,800 Land $10,700 Building $128,100

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

Flood

FEMA maps place 624 N Central Ave 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

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

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

Wildfire

Wildfire risk around 624 N Central Ave 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 325 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
AT&T Fixed Wireless	100 / 20