702 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 702 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,943 sqft · built 1904
Lot Size	0.091 acres (4,003 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Jun 2018)
Tax Bill	$11,064 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4380-01220`

Property Details

APN / Parcel Number

Primary APN	`010-4380-01220`
Alternative APNs	`1109879` `1144570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,943 sqft Gross Area
1st Floor Area	1,205 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1971
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,003 sqft (0.091 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	75 sqft
Deck Area	Deck Area
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1144570
Street Address	702 S LAKE AVE
City	DULUTH
State	MN
Zip	55802-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0239 BLOCK:000 SERIAL #
Legal Subdivision	UPPER DULUTH LAKE AVE
Legal Lot Number	239
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	2200

Owner

702 S Lake Ave is owned by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	8511 COUNTY ROAD 11, MAPLE PLAIN, MN 55359-9727
Owner Type	Individual

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

Date	Document
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MTG
Jun 1, 2018	Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2018 · Amount on File
Deed Sale	Jun 1, 2018 · Amount on File
Deed Document Number	20181333833
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	702 S LAKE AVE, DULUTH, MN 55802-2402
Document Number	00A1377284
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	702 S LAKE AVE DULUTH MN 558022402, DULUTH, MN 55802-2402

Mortgage

Document Number	00A1377284
Date	Apr 10, 2020
Instrument	A1377284

Lender

Name	SUN WEST MTG
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 9, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 1, 2018
Property Address	702 S LAKE AVE, DULUTH, MN 55802-2402
Document Number	00A1333833
Instrument Date	May 31, 2018
Instrument	A1333833
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,567.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	47491 MILL RD HOUGHTON MI 499311066, HOUGHTON, MI 49931-1066

Mortgage

Document Number	A1333834
Date	Jun 1, 2018
Instrument	A1333834

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 702 S Lake Ave was $11,064, up 7.5% 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	$11,064.00 (+7.5%)
2025	$10,292.00 (+9.58%)	$675,800 (+9.69%) Land $204,700 Building $471,100	$675,800 (+9.69%) Land $204,700 Building $471,100
2024	$9,392.00	$616,100 Land $330,800 Building $285,300	$616,100 Land $330,800 Building $285,300
2022		$462,800 Land $160,100 Building $302,700	$462,800 Land $160,100 Building $302,700

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

Flood

FEMA maps place 702 S Lake Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1986–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 3 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

The area around 702 S Lake Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 81 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber.

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