St. Louis County property record for 827 Charles Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 698 sqft · built 1924 |
| Lot Size | 0.071 acres (3,130 sqft) |
| Owner | Individual Name on File |
| Last Sale | $36,000 (Aug 2019) |
| Tax Bill | $1,532 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0840-00680 |
| Primary APN | 010-0840-00680 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 698 sqft Gross Area |
| 1st Floor Area | 482 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 3,130 sqft (0.071 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 54 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1075256 |
|---|---|
| Street Address | 827 CHARLES AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0035 BLOCK:002 SERIAL # |
| Legal Subdivision | DICKERMANS DIVISION |
| Legal Block | 2 |
| Legal Lot Number | 35 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 15800 |
827 Charles Ave is owned and occupied by an individual who bought it in August 2019.
Source: St. Louis County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 827 CHARLES AVE, DULUTH, MN 55807-1414 |
| 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 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CREDIT UNION |
| Mar 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Aug 7, 2019 | Warranty Deed, Transfer MEMBERS COOPERATIVE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2019 · Amount on File |
| Deed Sale | Aug 7, 2019 · Amount on File |
| Deed Document Number | 20191013330 |
| Prior Transfer Date | Aug 1, 2019 |
| Prior Transfer Doc | 0001013330 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 27, 2026 |
| Property Address | 827 CHARLES AVE, DULUTH, MN 55807-1414 |
| Document Number | 0001105360 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 20261105360 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 827 CHARLES AVE, DULUTH, MN 55807-1414 |
| Document Number | 0001105360, |
|---|---|
| Date | Aug 27, 2026 |
| Instrument | 20261105360 |
| Name | MEMBERS COOPERATIVE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 24, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 827 CHARLES AVE, DULUTH, MN 55807-1414 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001066849 |
|---|---|
| Date | Mar 21, 2023 |
| Instrument | 1066849 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 20, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Mar 14, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 7.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Max Rate | 13.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 7, 2019 |
| Property Address | 827 CHARLES AVE, DULUTH, MN 55807-1414 |
| Document Number | 00T1013330 |
| Instrument Date | Aug 1, 2019 |
| Instrument | T1013330 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2019 |
| Title Company | NATIONAL TITLE-DULUTH INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $118.80 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 827 CHARLES AVE DULUTH MN 558071414, DULUTH, MN 55807-1414 |
| Document Number | T1013331 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | T1013331 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55807 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 6, 2049 |
The 2026 property tax bill for 827 Charles Ave was $1,532 with a homeowner's exemption, up 1.7% 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 | $1,532.00 (+1.73%) Homeowner's exemption | ||
| 2025 | $1,506.00 (+0.67%) Homeowner's exemption | $151,700 (+9.29%) Land $8,100 Building $143,600 | $151,700 (+9.29%) Land $8,100 Building $143,600 |
| 2024 | $1,496.00 | $138,800 Land $8,600 Building $130,200 | $138,800 Land $8,600 Building $130,200 |
| 2022 | $106,500 Land $7,900 Building $98,600 | $106,500 Land $7,900 Building $98,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 827 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 827 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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