St. Louis County property record for 832 Charles Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 572 sqft · built 1925 |
| Lot Size | 0.1 acres (4,384 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $256,000 (Sep 2026) |
| Tax Bill | $1,842 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0840-00990 |
| Primary APN | 010-0840-00990 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 572 sqft Gross Area |
| 1st Floor Area | 572 sqft |
| Basement Area | 280 sqft |
| Finished Basement | 280 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,384 sqft (0.1 acres) |
| Garage Area | 624 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Deck Area | 28 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1117235 |
|---|---|
| Street Address | 832 CHARLES AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 AND S 10 FT OF LOT 20 SERIAL # |
| Legal Subdivision | DICKERMANS DIV OF DULUTH |
| Legal Block | 3 |
| Legal Lot Number | 19-20 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 15800 |
832 Charles Ave is owned and occupied by two individuals who bought it in September 2026.
Source: St. Louis County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 832 CHARLES AVE, DULUTH, MN 55807-1415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Sep 9, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Sep 9, 2026 | Warranty Deed, Transfer TITLE TEAM LLC, TITLE TEAM |
| Sep 17, 2021 | Land Contract, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2026 · Amount on File |
| Deed Sale | Sep 9, 2026 · Amount on File |
| Prior Sale | Sep 9, 2026 · Amount on File |
| Deed Document Number | 20261105756 |
| Prior Transfer Date | Aug 14, 2026 |
| Prior Transfer Doc | 0001105755 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 9, 2026 |
| Property Address | 832 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001105756 |
| Instrument Date | Sep 9, 2026 |
| Instrument | 20261105756 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | TITLE TEAM LLC, TITLE TEAM |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85,324.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 832 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001105757, |
|---|---|
| Date | Sep 9, 2026 |
| Instrument | 20261105757 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 9, 2026 |
| Property Address | 832 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001105755 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 20261105755 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | TITLE TEAM LLC, TITLE TEAM |
| Amount | Amount on Record |
|---|---|
| Tax | $24,997.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 832 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Type | Land Contract |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 17, 2021 |
| Property Address | 832 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001046963 |
| Instrument Date | Sep 4, 2021 |
| Instrument | 1046963 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 832 CHARLES AVE, DULUTH, MN 55807-1415 |
The 2026 property tax bill for 832 Charles Ave was $1,842 with a homeowner's exemption, up 0.1% 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 | $1,842.00 (+0.11%) Homeowner's exemption | ||
| 2025 | $1,840.00 (+1.43%) Homeowner's exemption | $174,000 (+7.74%) Land $11,300 Building $162,700 | $174,000 (+7.74%) Land $11,300 Building $162,700 |
| 2024 | $1,814.00 | $161,500 Land $12,100 Building $149,400 | $161,500 Land $12,100 Building $149,400 |
| 2022 | $134,500 Land $11,100 Building $123,400 | $134,500 Land $11,100 Building $123,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 832 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 832 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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