631 N 16th Ave E, Duluth, MN 55812 Property Records

St. Louis County property record for 631 N 16th Ave E, Duluth, MN 55812

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	3 bd · 2.5 ba · 1,892 sqft · built 1917
Lot Size	0.06 acres (2,629 sqft)
Owner	Individual Name on Record
Tax Bill	$3,766 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1480-10010`

Property Details

APN / Parcel Number

Primary APN	`010-1480-10010`
Alternative APN	`813172`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,892 sqft Gross Area
1st Floor Area	858 sqft
Basement Area	644 sqft
Finished Basement	644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Duplex Single
Exterior Material	Other
Construction Type	Frame
Roof Type	Hip
Lot Area	2,629 sqft (0.06 acres)
Garage Area	208 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	120 sqft
Storage Building	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	813172
Street Address	631 N 16TH AVE E
City	DULUTH
State	MN
Zip	55812-1233
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	N 35 FT OF E 25 FT OF LOT 7 AND N 35 FTOF LOT 8 SERIAL #
Legal Subdivision	ENDION DIVISION OF DULUTH
Legal Block	105
Legal Lot Number	7-8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1043
Census Tract	1000

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	631 N 16TH AVE E, DULUTH, MN 55812-1233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGES UNLIMITED INC
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 15, 2006
Transfer Doc	0000827894
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	631 N 16TH AVE E, DULUTH, MN 55812-1233
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001038620
Date	Apr 1, 2021
Instrument	1038620

Lender

Name	MORTGAGES UNLIMITED INC
Type	Mortgage Company
Address	OSSEO, MN 55369

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	631 N 16TH AVE E, DULUTH, MN 55812-1233
Document Number	000T986921
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 N 16TH AVE E DULUTH MN 558121233, DULUTH, MN 55812-1233

Mortgage

Document Number	000T986921
Date	Jul 7, 2017
Instrument	T986921

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 6, 2027

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	$3,766.00 (+9.86%) Homeowner's exemption
2025	$3,428.00 (+9.45%) Homeowner's exemption	$300,800 (+11.78%) Land $9,700 Building $291,100	$300,800 (+11.78%) Land $9,700 Building $291,100
2024	$3,132.00	$269,100 (+22.04%) Land $9,500 Building $259,600	$269,100 (+22.04%) Land $9,500 Building $259,600
2022		$220,500 Land $10,500 Building $210,000	$220,500 Land $10,500 Building $210,000

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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 796 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on N 16th Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures