St. Louis County property record for 820 Charles Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,368 sqft · built 1940 |
| Lot Size | 0.179 acres (7,829 sqft) |
| Owner | Individual Name on File |
| Last Sale | $184,255 (Aug 2020) |
| Tax Bill | $2,702 (2026) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0840-00920 |
| Primary APN | 010-0840-00920 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,368 sqft Gross Area |
| 1st Floor Area | 912 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,829 sqft (0.179 acres) |
| Garage Area | 484 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 28 sqft |
| Deck Area | 21 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1094422 |
|---|---|
| Street Address | 820 CHARLES AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 13 14 AND SE 12 1/2 FT OF LOT 15 SERIAL # |
| Legal Subdivision | DICKERMANS DIVISION OF DULUTH |
| Legal Block | 3 |
| Legal Lot Number | 13-15 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 15800 |
820 Charles Ave is owned and occupied by an individual who bought it in August 2020.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 820 CHARLES AVE, DULUTH, MN 55807-1415 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 18, 2020 | Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK |
| Aug 13, 2018 | Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2020 · Amount on File |
| Deed Sale | Aug 18, 2020 · Amount on File |
| Prior Sale | Aug 13, 2018 · Amount on File |
| Deed Document Number | 20201027562 |
| Prior Transfer Date | Dec 30, 2003 |
| Prior Transfer Doc | 0000770369 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 18, 2020 |
| Property Address | 820 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 00T1027562 |
| Instrument Date | Aug 14, 2020 |
| Instrument | T1027562 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $608.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 CHARLES AVE DULUTH MN 558071415, DULUTH, MN 55807-1415 |
| Document Number | T1027563 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | T1027563 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 17, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 13, 2018 |
| Property Address | 820 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 00A1001427 |
| Instrument Date | Aug 10, 2018 |
| Instrument | A1001427 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $509.85 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 CHARLES AVE DULUTH MN 558071415, DULUTH, MN 55807-1415 |
| Document Number | A1001428 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | A1001428 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 12, 2048 |
The 2026 property tax bill for 820 Charles Ave was $2,702 with a homeowner's exemption, up 0.2% from the year before.
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 | $2,702.00 (+0.22%) Homeowner's exemption | ||
| 2025 | $2,696.00 (+2.59%) Homeowner's exemption | $236,000 (+7.52%) Land $18,900 Building $217,100 | $236,000 (+7.52%) Land $18,900 Building $217,100 |
| 2024 | $2,628.00 | $219,500 Land $20,200 Building $199,300 | $219,500 Land $20,200 Building $199,300 |
| 2022 | $185,200 Land $18,600 Building $166,600 | $185,200 Land $18,600 Building $166,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 Charles Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 820 Charles Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 359 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 |
| Airfiber Fixed Wireless | 100 / 20 |
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