720 N 22nd Ave W, Duluth, MN 55806 Property Records

St. Louis County property record for 720 N 22nd Ave W, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,030 sqft · built 1917
Lot Size	0.069 acres (3,021 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Apr 2018)
Tax Bill	$1,656 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1220-05420`

Property Details

APN / Parcel Number

Primary APN	`010-1220-05420`
Alternative APN	`1050071`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,030 sqft Gross Area
1st Floor Area	610 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1936
Architectural Style	Bungalow
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Lot Area	3,021 sqft (0.069 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	102 sqft
Deck Area	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1050071
Street Address	720 N 22ND AVE W
City	DULUTH
State	MN
Zip	55806-1654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 30 5/10 FT OF SLY 90 FT OF LOTS 350AND 352 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	167
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1020
Census Tract	2400

Owner

720 N 22nd Ave W is owned and occupied by an individual who bought it in April 2018.

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	720 N 22ND AVE W, DULUTH, MN 55806-1654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 11, 2020	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Apr 30, 2018	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2018 · Amount on File
Deed Sale	Apr 30, 2018 · Amount on File
Prior Sale	Apr 10, 2008 · Amount on File
Deed Document Number	20181331924
Prior Transfer Date	Mar 4, 2008
Prior Transfer Doc	0001077857
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 16, 2026
Property Address	720 N 22ND AVE W, DULUTH, MN 55806-1654
Document Number	0001534374
Instrument Date	May 28, 2026
Instrument	20261534374
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 N 22ND AVE W, DULUTH, MN 55806-1654

Mortgage

Document Number	0001534374,
Date	Jun 16, 2026
Instrument	20261534374

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 23, 2036

Interest

Rate	6.3%
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	720 N 22ND AVE W, DULUTH, MN 55806-1654
Document Number	0001374111
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 N 22ND AVE W DULUTH MN 558061654, DULUTH, MN 55806-1654

Mortgage

Document Number	0001374111
Date	Feb 24, 2020
Instrument	1374111

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 23, 2040

Interest

Rate Type	Adjustable Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 30, 2018
Property Address	720 N 22ND AVE W, DULUTH, MN 55806-1654
Document Number	00A1331924
Instrument Date	Apr 26, 2018
Instrument	A1331924
Transaction Type	Transfer
Record Updated	May 16, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 N 22ND AVE W DULUTH MN 558061654, DULUTH, MN 55806-1654

Mortgage

Document Number	A1331925
Date	Apr 30, 2018
Instrument	A1331925

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 720 N 22nd Ave W was $1,656 with a homeowner's exemption, up 16.5% 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	$1,656.00 (+16.46%) Homeowner's exemption
2025	$1,422.00 (+1.72%) Homeowner's exemption	$154,300 (+15.84%) Land $11,500 Building $142,800	$154,300 (+15.84%) Land $11,500 Building $142,800
2024	$1,398.00	$133,200 Land $13,800 Building $119,400	$133,200 Land $13,800 Building $119,400
2022		$110,600 Land $12,200 Building $98,400	$110,600 Land $12,200 Building $98,400

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

Flood

FEMA maps place 720 N 22nd Ave W 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
Nearby Flood Claims	2 (1979–1985)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 1985 · tidal / storm surge

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 720 N 22nd Ave W 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 473 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
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, T-Mobile.

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