St. Louis County property record for 818 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,296 sqft · built 1908 |
| Lot Size | 0.179 acres (7,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $309,000 (Nov 2025) |
| Tax Bill | $3,682 (2026) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-15750 |
| Primary APN | 010-4520-15750 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,296 sqft Gross Area |
| 1st Floor Area | 1,734 sqft |
| Basement Area | 250 sqft |
| Finished Basement | 250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 7,810 sqft (0.179 acres) |
| Garage Area | 400 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 302 sqft |
| Storage Building | 100 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1190567 |
|---|---|
| Street Address | 818 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SLY 1/2 OF LOT 23 AND ALL OF LOTS 24 AND25 SERIAL # |
| Legal Subdivision | WEST DULUTH 6TH DIV |
| Legal Block | 110 |
| Legal Lot Number | 23-25 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 5 |
| Census Block | 5010 |
| Census Tract | 15800 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 428 N 23RD AVE W, DULUTH, MN 55806-1551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 4, 2025 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC |
| Oct 6, 2021 | Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Jul 22, 2020 | Affidavit of Death, Transfer QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2025 · Amount on Record |
| Deed Sale | Nov 4, 2025 · Amount on Record |
| Prior Sale | Oct 6, 2021 · Amount on Record |
| Deed Document Number | 20251521683 |
| Prior Transfer Date | Jun 2, 2020 |
| Prior Transfer Doc | 0001385724 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 4, 2025 |
| Property Address | 818 N CENTRAL AVE, DULUTH, MN 55807-1307 |
| Document Number | 0001521683 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 1521683 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | PIONEER TITLE TWIN PORTS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,019.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 428 N 23RD AVE W, DULUTH, MN 55806-1551 |
| Document Number | 0001521684 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | 1521684 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 6, 2021 |
| Property Address | 818 N CENTRAL AVE, DULUTH, MN 55807-1307 |
| Document Number | 0001426557 |
| Instrument Date | Sep 27, 2021 |
| Instrument | 1426557 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $567.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 818 N CENTRAL AVE, DULUTH, MN 55807-1307 |
| Document Number | 0001426558 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 1426558 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 22, 2020 |
| Property Address | 818 N CENTRAL AVE, DULUTH, MN 55807-1307 |
| Document Number | 00A1385724 |
| Instrument Date | Jun 2, 2020 |
| Instrument | A1385724 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 818 N CENTRAL AVE DULUTH MN 558071307, DULUTH, MN 55807-1307 |
| Document Number | A1385725 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | A1385725 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 21, 2050 |
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 | $3,682.00 (+0.55%) Homeowner's exemption | ||
| 2025 | $3,662.00 (+3.21%) Homeowner's exemption | $359,400 (+26.06%) Land $18,900 Building $340,500 | $359,400 (+26.06%) Land $18,900 Building $340,500 |
| 2024 | $3,548.00 | $285,100 (+14.96%) Land $20,100 Building $265,000 | $285,100 (+14.96%) Land $20,100 Building $265,000 |
| 2022 | $248,000 Land $18,500 Building $229,500 | $248,000 Land $18,500 Building $229,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 325 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 |
| Starlink Satellite | 280 / 30 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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