St. Louis County property record for 824 Commonwealth Ave, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,568 sqft · built 2002 |
| Lot Size | 0.482 acres (21,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Dec 2009) |
| Tax Bill | $1,570 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3430-18560 |
| Primary APN | 010-3430-18560 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,568 sqft Gross Area |
| 1st Floor Area | 1,568 sqft |
| Basement Area | 784 sqft |
| Finished Basement | 784 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 21,009 sqft (0.482 acres) |
| Garage Area | 1,072 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 894055 |
|---|---|
| Street Address | 824 COMMONWEALTH AVE |
| City | DULUTH |
| State | MN |
| Zip | 55808-1859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 27 THRU 32 SERIAL # |
| Legal Subdivision | NEW DULUTH FIRST DIVISION |
| Legal Block | 58 |
| Legal Lot Number | 27-32 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 3800 |
Source: St. Louis County records · APN 010-3430-18560
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 824 COMMONWEALTH AVE, DULUTH, MN 55808-1859 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 02, 2021 | Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK |
| Jan 17, 2020 | Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 30, 2009 · Amount on Record |
| Deed Sale | Dec 30, 2009 · Amount on Record |
| Prior Sale | Dec 30, 2009 · Amount on Record |
| Deed Document Number | 20091126039 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 824 COMMONWEALTH AVE, DULUTH, MN 55808-1859 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001035968 |
|---|---|
| Date | Feb 02, 2021 |
| Instrument | 1035968 |
| Name | MAGNOLIA BANK |
|---|---|
| Type | Bank |
| Address | HODGENVILLE, KY 42748 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Nov 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 824 COMMONWEALTH AVE, DULUTH, MN 55808-1859 |
| Document Number | 00T1020787 |
| Instrument Date | Jan 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2020 |
| Title Company | TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 824 COMMONWEALTH AVE DULUTH MN 558081859, DULUTH, MN 55808-1859 |
| Document Number | 00T1020787 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | T1020787 |
| Name | MAGNOLIA BK |
|---|---|
| Type | Bank |
| Address | CAMPBELLSVILLE, KY 42718 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 20, 2050 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,570.00 (+52.13%) Homeowner's exemption | ||
| 2025 | $1,032.00 (+9.79%) Homeowner's exemption | $414,900 (+11.08%) Land $29,900 Building $385,000 | $414,900 (+11.08%) Land $29,900 Building $385,000 |
| 2024 | $940.00 | $373,500 (+18.68%) Land $29,500 Building $344,000 | $373,500 (+18.68%) Land $29,500 Building $344,000 |
| 2022 | $314,700 Land $36,200 Building $278,500 | $314,700 Land $36,200 Building $278,500 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 27 units insured incl. 26 condo units |
| Nearby Flood Claims | 4 (2012) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AirFiber Fixed Wireless | 100 / 20 |
Based on FCC filings for 97 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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