632 101st Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 632 101st Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,246 sqft · built 1918
Lot Size	0.112 acres (4,902 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (May 2020)
Tax Bill	$2,336 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3430-12910`

Property Details

APN / Parcel Number

Primary APN	`010-3430-12910`
Alternative APN	`1089300`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,246 sqft Gross Area
1st Floor Area	766 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1985
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Lot Area	4,902 sqft (0.112 acres)
Garage Area	676 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	216 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1089300
Street Address	632 101ST AVE W
City	DULUTH
State	MN
Zip	55808-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 35 FT OF LOTS 1 THRU 5 SERIAL #
Legal Subdivision	NEW DULUTH FIRST DIVISION
Legal Block	41
Legal Lot Number	1-5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3047
Census Tract	3800

Owner

632 101st Ave W is owned and occupied by an individual who bought it in May 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	632 101ST AVE W, DULUTH, MN 55808-1911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HOUSING SVCS OF DULUTH INC NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
May 7, 2020	Warranty Deed, Transfer · Conventional with PMI US BK
Mar 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage HARBOR POINTE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2020 · Amount on File
Deed Sale	May 7, 2020 · Amount on File
Prior Sale	Apr 5, 2010
Deed Document Number	20201379172
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	632 101ST AVE W, DULUTH, MN 55808-1911
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001478510
Date	Nov 22, 2023
Instrument	1478510

Lender

Name	NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Type	Government Agency
Address	DULUTH, MN 55805

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Nov 1, 2035

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	632 101ST AVE W, DULUTH, MN 55808-1911
Document Number	00A1393282
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 101ST AVE W DULUTH MN 558081911, DULUTH, MN 55808-1911

Mortgage

Document Number	00A1393282
Date	Oct 16, 2020
Instrument	A1393282

Lender

Name	NEIGHBORHOOD HOUSING SVCS OF DULUTH INC NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Type	Bank
Address	DULUTH, MN 55805

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 15, 2040

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 7, 2020
Property Address	632 101ST AVE W, DULUTH, MN 55808-1911
Document Number	00A1379172
Instrument Date	Apr 30, 2020
Instrument	A1379172
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$571.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 101ST AVE W DULUTH MN 558081911, DULUTH, MN 55808-1911

Mortgage

Document Number	A1379173
Date	May 7, 2020
Instrument	A1379173

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

Mortgage

Document Number	A1379175,
Date	May 7, 2020
Instrument	A1379175

Lender

Name	COMMUNITY DEV COMMISSION
Type	Construction/Development Company
Address	DETROIT LAKES, MN 56501

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	632 101ST AVE W, DULUTH, MN 55808-1911
Document Number	00A1329915
Instrument Date	Mar 19, 2018
Transaction Type	Mortgage
Record Updated	Apr 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	632 101ST AVE W DULUTH MN 558081911, DULUTH, MN 55808-1911

Mortgage

Document Number	00A1329915
Date	Mar 23, 2018
Instrument	A1329915

Lender

Name	HARBOR POINTE CU
Address	11 W 2ND ST, DULUTH, MN 55802-2014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 22, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 632 101st Ave W was $2,336 with a homeowner's exemption, up 15.6% 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 (+15.64%) Homeowner's exemption
2025	$2,020.00 (-5.52%) Homeowner's exemption	$193,200 (+11.29%) Land $11,500 Building $181,700	$193,200 (+11.29%) Land $11,500 Building $181,700
2024	$2,138.00	$173,600 Land $11,300 Building $162,300	$173,600 Land $11,300 Building $162,300
2022		$178,300 Land $12,800 Building $165,500	$178,300 Land $12,800 Building $165,500

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

Flood

FEMA maps place 632 101st Ave W in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 632 101st Ave W 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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