724 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 724 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,931 sqft · built 1905
Lot Size	0.164 acres (7,178 sqft)
Owner	2 Individual Names on File
Last Sale	$139,827 (Apr 2025)
Tax Bill	$6,952 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4380-01170`

Property Details

APN / Parcel Number

Primary APN	`010-4380-01170`
Alternative APNs	`1094388` `1180483`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,931 sqft Gross Area
1st Floor Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	7,178 sqft (0.164 acres)
Garage Area	600 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	35 sqft
Deck Area	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1180483
Street Address	724 S LAKE AVE
City	DULUTH
State	MN
Zip	55802-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 229 SERIAL #
Legal Subdivision	MINNESOTA AVENUE
Legal Lot Number	229
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	2200

Owner

724 S Lake Ave is owned and occupied by two individuals who bought it in April 2025.

Source: St. Louis County records, as of August 19, 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	2 Individual Names on File
Mailing Address	724 S LAKE AVE, DULUTH, MN 55802-2402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK & TRUST
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK & TRUST
Aug 18, 2020	Warranty Deed, Transfer · Conventional with PMI FIRST ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2025 · Amount on File
Deed Sale	Apr 2, 2025 · Amount on File
Prior Sale	Mar 12, 2025 · Amount on File
Deed Document Number	20251088842
Prior Transfer Date	Mar 7, 2025
Prior Transfer Doc	0001088842
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	724 S LAKE AVE, DULUTH, MN 55802-2402
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1945 APPLE RIVER LN, SOMERSET, WI 54025-7235

Mortgage

Document Number	0001528357
Date	Feb 20, 2026
Instrument	1528357

Lender

Name	FIRST STATE BANK & TRUST
Type	Bank
Address	BAYPORT, MN 55003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	724 S LAKE AVE, DULUTH, MN 55802-2402
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1945 APPLE RIVER LN, SOMERSET, WI 54025-7235

Mortgage

Document Number	0001099137
Date	Feb 17, 2026
Instrument	1099137

Lender

Name	FIRST STATE BANK & TRUST
Type	Bank
Address	BAYPORT, MN 55003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 18, 2020
Property Address	724 S LAKE AVE, DULUTH, MN 55802-2402
Document Number	00T1027540
Instrument Date	Jul 15, 2020
Instrument	T1027540
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,436.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1945 APPLE RIVER LN SOMERSET WI 540257235, SOMERSET, WI 54025-7235

Mortgage

Document Number	T1027541
Date	Aug 18, 2020
Instrument	T1027541

Lender

Name	FIRST ST BK
Type	Bank
Address	BAYPORT, MN 55003

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Aug 17, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 724 S Lake Ave was $6,952, down 18.2% 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	$6,952.00 (-18.19%)
2025	$8,498.00 (+4.09%)	$518,000 (-13.46%) Land $81,200 Building $436,800	$518,000 (-13.46%) Land $81,200 Building $436,800
2024	$8,164.00	$598,600 Land $278,000 Building $320,600	$598,600 Land $278,000 Building $320,600
2022		$474,600 Land $134,500 Building $340,100	$474,600 Land $134,500 Building $340,100

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

Flood

FEMA maps place 724 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 724 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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