809 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 809 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	0.092 acres (4,027 sqft)
Owner	Individual on Record
Tax Bill	$536 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-4380-02320`

Property Details

APN / Parcel Number

Primary APN	`010-4380-02320`
Alternative APN	`747441`

Exterior

Lot Area	4,027 sqft (0.092 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	747441
Street Address	809 S LAKE AVE
City	DULUTH
State	MN
Zip	55802-2403
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT: 0216 BLOCK:000 SERIAL #
Legal Subdivision	MINNESOTA AVENUE UPPER DULUTH
Legal Lot Number	216
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1005
Census Tract	2200

Owner

Source: St. Louis County assessment roll, 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 on Record
Mailing Address	809 S LAKE AVE, DULUTH, MN 55802-2403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage NATIONAL BK/CMRC
Jul 31, 2019	Deed of Trust, Mortgage NATIONAL BK/CMRC
Oct 16, 2017	Deed of Trust, Mortgage NATIONAL BK/COMMERCE
Oct 23, 2017	Trustee's Deed, Construction Loan · Construction Mortgage NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 3, 2008
Transfer Doc	0000912302
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	809 S LAKE AVE, DULUTH, MN 55802-2403
Document Number	00T1024423
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NORTH SHORE TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	809 S LAKE AVE DULUTH MN 558022403, DULUTH, MN 55802-2403

Mortgage

Document Number	00T1024423
Date	Jun 11, 2020
Instrument	T1024423

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 10, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	809 S LAKE AVE, DULUTH, MN 55802-2403
Document Number	00T1013807
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NORTH SHORE TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	809 S LAKE AVE DULUTH MN 558022403, DULUTH, MN 55802-2403

Mortgage

Document Number	00T1013807
Date	Aug 15, 2019
Instrument	T1013807

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 14, 2034

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	809 S LAKE AVE, DULUTH, MN 55802-2403
Document Number	000T991173
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	NORTH SHORE TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	809 S LAKE AVE DULUTH MN 558022403, DULUTH, MN 55802-2403

Mortgage

Document Number	000T991173
Date	Oct 20, 2017
Instrument	T991173

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Oct 19, 2019

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 23, 2017
Property Address	809 S LAKE AVE, DULUTH, MN 55802-2403
Instrument Date	Oct 16, 2017
Instrument	A1320587
Transaction Type	Construction Loan
Record Updated	Jan 11, 2019
Title Company	NORTH SHORE TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	809 S LAKE AVE DULUTH MN 558022403, DULUTH, MN 55802-2403

Mortgage

Document Number	00A1320587
Date	Oct 23, 2017
Instrument	A1320587

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Oct 22, 2019

Tax Assessment & Valuation

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	$536.00 (+0.37%) Homeowner's exemption
2025	$534.00 (+68.99%) Homeowner's exemption	$32,700 (+2.51%) Land $32,700	$32,700 (+2.51%) Land $32,700
2024	$316.00	$31,900 (+107.14%) Land $31,900	$31,900 (+107.14%) Land $31,900
2022		$15,400 Land $15,400	$15,400 Land $15,400

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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