St. Louis County property record for 645 Atlantic Ave, Duluth, MN 55806
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.75 ba · 1,846 sqft · built 2003 |
| Lot Size | 0.797 acres (34,734 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Jun 2013) |
| Tax Bill | $4,716 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0340-00600 |
| Primary APN | 010-0340-00600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,846 sqft Gross Area |
| 1st Floor Area | 1,846 sqft |
| Basement Area | 676 sqft |
| Finished Basement | 676 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 34,734 sqft (0.797 acres) |
| Garage Type | Basement |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Deck Area | 288 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 951502 |
|---|---|
| Street Address | 645 ATLANTIC AVE |
| City | DULUTH |
| State | MN |
| Zip | 55806-1302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 THRU 8 INC PART OF VAC WICKLOW ST ADJ SERIAL # |
| Legal Subdivision | BRYANT ADD TO DULUTH SECOND DI |
| Legal Block | 5 |
| Legal Lot Number | 1-8 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 2600 |
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 | 645 ATLANTIC AVE, DULUTH, MN 55806-1302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2013 · Amount on Record |
| Deed Sale | Jun 3, 2013 · Amount on Record |
| Prior Sale | Jul 5, 2002 · Amount on Record |
| Deed Document Number | 2013931364 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 645 ATLANTIC AVE, DULUTH, MN 55806-1302 |
| Document Number | 00T1025420 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2020 |
| Title Company | CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE & ABS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 ATLANTIC AVE DULUTH MN 558061302, DULUTH, MN 55806-1302 |
| Document Number | 00T1025420 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | T1025420 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 5, 2030 |
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 | $4,716.00 (+6.31%) Homeowner's exemption | ||
| 2025 | $4,436.00 (+24.61%) Homeowner's exemption | $366,100 (+8.44%) Land $102,100 Building $264,000 | $366,100 (+8.44%) Land $102,100 Building $264,000 |
| 2024 | $3,560.00 | $337,600 (+40.26%) Land $122,600 Building $215,000 | $337,600 (+40.26%) Land $122,600 Building $215,000 |
| 2022 | $240,700 Land $108,100 Building $132,600 | $240,700 Land $108,100 Building $132,600 |
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 |
|---|---|
| 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 93% of the US · lower than 78% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 309 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 |
| Airfiber Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures