St. Louis County property record for 631 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.25 ba · 1,576 sqft · built 1906 |
| Lot Size | 0.143 acres (6,251 sqft) |
| Owner | Company Name on Record |
| Last Sale | $47,450 (Dec 2015) |
| Tax Bill | $2,370 (2026) |
| Deeds & Mortgages | Jun 2017 Mortgage Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-13680 |
| Primary APN | 010-4520-13680 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,576 sqft Gross Area |
| 1st Floor Area | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,251 sqft (0.143 acres) |
| Garage Area | 364 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 58 sqft |
| Deck Area | 16 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 1031702 |
|---|---|
| Street Address | 631 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 AND 2 SERIAL # |
| Legal Subdivision | WEST DULUTH 6TH DIV |
| Legal Block | 97 |
| Legal Lot Number | 1-2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 3300 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 631 N CENTRAL AVE, DULUTH, MN 55807-1302 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jun 2, 2017 | Deed of Trust, Mortgage · Conventional with PMI NORTH SHORE BK/COMMERCE |
| Jun 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Apr 11, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2015 · Amount on Record |
| Deed Sale | Dec 15, 2015 · Amount on Record |
| Prior Sale | Aug 6, 2008 · Amount on Record |
| Deed Document Number | 20151275849 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 631 N CENTRAL AVE, DULUTH, MN 55807-1302 |
| Document Number | 00A1310625 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 631 N CENTRAL AVE DULUTH MN 558071302, DULUTH, MN 55807-1302 |
| Document Number | 00A1310625 |
|---|---|
| Date | Jun 7, 2017 |
| Instrument | A1310625 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 6, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 631 N CENTRAL AVE, DULUTH, MN 55807-1302 |
| Document Number | 00A1310626 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 631 N CENTRAL AVE DULUTH MN 558071302, DULUTH, MN 55807-1302 |
| Document Number | 00A1310626 |
|---|---|
| Date | Jun 7, 2017 |
| Instrument | A1310626 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 6, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 11, 2017 |
| Property Address | 631 N CENTRAL AVE, DULUTH, MN 55807-1302 |
| Document Number | 00A1307166 |
| Instrument Date | Apr 19, 2016 |
| Instrument | A1307166 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12 E 4TH ST DULUTH MN 558053895, DULUTH, MN 55805-3895 |
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 | $2,370.00 (-24.33%) Homeowner's exemption | ||
| 2025 | $3,132.00 (+6.31%) | $261,200 (+13.81%) Land $16,000 Building $245,200 | $261,200 (+13.81%) Land $16,000 Building $245,200 |
| 2024 | $2,946.00 | $229,500 (+12.06%) Land $17,200 Building $212,300 | $229,500 (+12.06%) Land $17,200 Building $212,300 |
| 2022 | $204,800 Land $15,500 Building $189,300 | $204,800 Land $15,500 Building $189,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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