St. Louis County property record for 625 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,476 sqft · built 1908 |
| Lot Size | 0.127 acres (5,554 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,500 (Jul 2019) |
| Tax Bill | $2,178 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-13710 |
| Primary APN | 010-4520-13710 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,476 sqft Gross Area |
| 1st Floor Area | 852 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 5,554 sqft (0.127 acres) |
| Garage Area | 528 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 20 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1073230 |
|---|---|
| Street Address | 625 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0005 BLOCK:097 SERIAL # |
| Legal Subdivision | WEST DULUTH SIXTH DIVISION |
| Legal Block | 97 |
| Legal Lot Number | 5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 3300 |
625 N Central Ave is owned and occupied by an individual who bought it in July 2019.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 625 N CENTRAL AVE, DULUTH, MN 55807-1302 |
| 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.
| Date | Document |
|---|---|
| Apr 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jul 1, 2019 | Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2019 · Amount on File |
| Deed Sale | Jul 1, 2019 · Amount on File |
| Deed Document Number | 20191357720 |
| Prior Transfer Date | May 16, 2014 |
| Prior Transfer Doc | 00A1238443 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 625 N CENTRAL AVE, DULUTH, MN 55807-1302 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0001411706 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 1411706 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 1, 2019 |
| Property Address | 625 N CENTRAL AVE, DULUTH, MN 55807-1302 |
| Document Number | 00A1357720 |
| Instrument Date | Jun 21, 2019 |
| Instrument | A1357720 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2019 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $476.85 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 625 N CENTRAL AVE DULUTH MN 558071302, DULUTH, MN 55807-1302 |
| Document Number | A1357721 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | A1357721 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 30, 2049 |
The 2026 property tax bill for 625 N Central Ave was $2,178 with a homeowner's exemption, up 12.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,178.00 (+12.15%) Homeowner's exemption | ||
| 2025 | $1,942.00 (-16.51%) Homeowner's exemption | $190,900 (+13.36%) Land $14,300 Building $176,600 | $190,900 (+13.36%) Land $14,300 Building $176,600 |
| 2024 | $2,326.00 | $168,400 Land $15,300 Building $153,100 | $168,400 Land $15,300 Building $153,100 |
| 2022 | $152,600 Land $13,900 Building $138,700 | $152,600 Land $13,900 Building $138,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 625 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 risk around 625 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 583 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 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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