St. Louis County property record for 831 Charles Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 825 sqft · built 1922 |
| Lot Size | 0.107 acres (4,696 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $124,900 (May 2007) |
| Tax Bill | $2,536 (2026) |
| Deeds & Mortgages | Mar 2023 Transfer Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0840-00640 |
| Primary APN | 010-0840-00640 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 825 sqft Gross Area |
| 1st Floor Area | 825 sqft |
| Basement Area | 618 sqft |
| Finished Basement | 618 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,696 sqft (0.107 acres) |
| Garage Area | 361 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 35 sqft |
| Deck Area | 30 sqft |
| Storage Building | 128 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 847401 |
|---|---|
| Street Address | 831 CHARLES AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 32 AND N 12 1/2 FT OF LOT 33 SERIAL # |
| Legal Subdivision | DICKERMANS DIVISION OF DULUTH |
| Legal Block | 2 |
| Legal Lot Number | 32-33 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 813 CHARLES AVE, DULUTH, MN 55807-1414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2023 | Quit Claim Deed, Transfer NOT AVAILABLE, PIONEER TITLE TWIN PORTS |
| Mar 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CHOICE CU |
| Sep 11, 2019 | Deed of Trust, Mortgage · Line of Credit SUPERIOR CHOICE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2007 · Amount on Record |
| Deed Sale | May 25, 2007 · Amount on Record |
| Prior Sale | Dec 19, 2006 |
| Deed Document Number | 2007837090 |
| Last Transfer Date | Mar 20, 2023 |
| Transfer Doc | 0001066941 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 23, 2023 |
| Property Address | 831 CHARLES AVE, DULUTH, MN 55807-1414 |
| Document Number | 0001066941 |
| Instrument Date | Mar 20, 2023 |
| Instrument | 1066941 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2023 |
| Title Company | NOT AVAILABLE, PIONEER TITLE TWIN PORTS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 813 CHARLES AVE, DULUTH, MN 55807-1414 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 831 CHARLES AVE, DULUTH, MN 55807-1414 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001053885 |
|---|---|
| Date | Mar 2, 2022 |
| Instrument | 1053885 |
| Name | SUPERIOR CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 831 CHARLES AVE, DULUTH, MN 55807-1414 |
| Document Number | 00T1015097 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 831 CHARLES AVE DULUTH MN 558071414, DULUTH, MN 55807-1414 |
| Document Number | 00T1015097 |
|---|---|
| Date | Sep 17, 2019 |
| Instrument | T1015097 |
| Name | SUPERIOR CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 16, 2039 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,536.00 (+0.4%) Homeowner's exemption | ||
| 2025 | $2,526.00 (+2.43%) Homeowner's exemption | $224,600 (+7.98%) Land $12,100 Building $212,500 | $224,600 (+7.98%) Land $12,100 Building $212,500 |
| 2024 | $2,466.00 | $208,000 (+27.61%) Land $12,900 Building $195,100 | $208,000 (+27.61%) Land $12,900 Building $195,100 |
| 2022 | $163,000 Land $11,900 Building $151,100 | $163,000 Land $11,900 Building $151,100 |
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 |
|---|---|
| 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 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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