1. Home
  2. Minnesota
  3. St. Louis County
  4. Duluth
  5. N Central Ave

634 N Central Ave, Duluth, MN 55807 Property Records

St. Louis County property record for 634 N Central Ave, Duluth, MN 55807

Property Summary

Property TypeSingle Family Home
Details5 bd · 1.75 ba · 2,078 sqft · built 1910
Lot Size0.143 acres (6,247 sqft)
OwnerIndividual Name on File
Last Sale$320,000 (Jun 2022)
Tax Bill$2,738 (2026)
Deeds & MortgagesJan 2024 Mortgage
Jun 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN010-4520-13730

Property Details

APN / Parcel Number

Primary APN010-4520-13730
Alternative APN
  • 1131691

Interior

Bedrooms5 Beds
Full Baths1.75 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,078 sqft Gross Area
1st Floor Area1,221 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1965
Exterior MaterialMetal
Construction TypeFrame
Roof TypeHip
Lot Area6,247 sqft (0.143 acres)
Garage TypeDetached
Garage Area216 sqft
Pool TypeSpa / Hot Tub (No Pool)
Storage Building216 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Account Number1131691
Street Address634 N CENTRAL AVE
CityDULUTH
StateMN
Zip55807-1303
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 1 AND 2 SERIAL #
Legal SubdivisionWEST DULUTH SIXTH DIVISION
Legal Block98
Legal Lot Number1-2
JurisdictionST LOUIS MN
Township / Civil DivisionDULUTH
Census Block Group5
Census Block5015
Census Tract15800

Owner

634 N Central Ave is owned and occupied by an individual who bought it in June 2022.

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

Owner of RecordIndividual Name on File
Mailing Address634 N CENTRAL AVE, DULUTH, MN 55807-1303
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 19, 2024Deed of Trust, Mortgage
CITY OF DULUTH
Jun 14, 2022Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 24, 2022 · Amount on File
Deed SaleJun 24, 2022 · Amount on File
Prior SaleJun 14, 2022 · Amount on File
Deed Document Number20221429260
Prior Transfer DateMay 17, 2010
Prior Transfer Doc0000057345
Record UpdatedSep 20, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address634 N CENTRAL AVE, DULUTH, MN 55807-1303
Transaction TypeMortgage
Record UpdatedFeb 6, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001481814
DateJan 19, 2024
Instrument1481814
Lender
NameCITY OF DULUTH
TypeGovernment Agency
AddressDULUTH, MN 55802
Agreement
AmountAmount on Record

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateJun 14, 2022
Property Address634 N CENTRAL AVE, DULUTH, MN 55807-1303
Document Number0001445139
Instrument DateJun 9, 2022
Instrument1445139
Transaction TypeTransfer
Record UpdatedAug 16, 2022
Title CompanyARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$594.83
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address634 N CENTRAL AVE, DULUTH, MN 55807-1303

Mortgage

Document Number0001445140
DateJun 14, 2022
Instrument1445140
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 634 N Central Ave was $2,738 with a homeowner's exemption, up 0.1% from the year before.

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

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityDuluth City
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,738.00 (+0.15%) Homeowner's exemption
2025$2,734.00 (-20.66%) Homeowner's exemption$239,200 (+7.7%) Land $15,700 Building $223,500$239,200 (+7.7%) Land $15,700 Building $223,500
2024$3,446.00$222,100 Land $16,800 Building $205,300$222,100 Land $16,800 Building $205,300
2022$214,500 Land $15,200 Building $199,300$214,500 Land $15,200 Building $199,300

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

Flood

FEMA maps place 634 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 634 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 RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemDuluth
serves 86,859 people · EPA ID MN1690011
Water SourceSurface water
Last State InspectionFeb 2025
Lead8 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Oct 2017
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

Nearby Properties on N Central Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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