St. Louis County property record for 838 Charles Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 572 sqft · built 1925 |
| Lot Size | 0.1 acres (4,385 sqft) |
| Owner | Individual Name on File |
| Last Sale | $228,000 (May 2026) |
| Tax Bill | $1,878 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0840-01010 |
| Primary APN | 010-0840-01010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 572 sqft Gross Area |
| 1st Floor Area | 572 sqft |
| Basement Area | 490 sqft |
| Finished Basement | 490 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,385 sqft (0.1 acres) |
| Garage Area | 484 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 63 sqft |
| Deck Area | 196 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1197349 |
|---|---|
| Street Address | 838 CHARLES AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 15 FT OF LOT 20 AND S 20 FT OF LOT 21 SERIAL # |
| Legal Subdivision | DICKERMANS DIV OF DULUTH |
| Legal Block | 3 |
| Legal Lot Number | 20-21 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 15800 |
838 Charles Ave is owned and occupied by an individual who bought it in May 2026.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 838 CHARLES AVE, DULUTH, MN 55807-1415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 13, 2026 | Warranty Deed, Transfer · FHA Mortgage REGENT FINANCIAL GROUP INC |
| Oct 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST |
| Nov 2, 2017 | Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on File |
| Deed Sale | May 13, 2026 · Amount on File |
| Prior Sale | Oct 25, 2023 · Amount on File |
| Deed Document Number | 20261101472 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 13, 2026 |
| Property Address | 838 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001101472 |
| Instrument Date | May 5, 2026 |
| Instrument | 2026.1101472 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | PIONEER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75,992.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 838 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001101473, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 2026.1101473 |
| Name | REGENT FINANCIAL GROUP INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 25, 2023 |
| Property Address | 838 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001073747 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 1073747 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $561.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 838 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001073748 |
|---|---|
| Date | Oct 25, 2023 |
| Instrument | 1073748 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 2, 2017 |
| Property Address | 838 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 000T991697 |
| Instrument Date | Oct 31, 2017 |
| Instrument | T991697 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2017 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 838 CHARLES AVE DULUTH MN 558071415, DULUTH, MN 55807-1415 |
| Document Number | T991698 |
|---|---|
| Date | Nov 2, 2017 |
| Instrument | T991698 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
The 2026 property tax bill for 838 Charles Ave was $1,878 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 | $1,878.00 (+0.21%) Homeowner's exemption | ||
| 2025 | $1,874.00 Homeowner's exemption | $176,500 (+7.75%) Land $11,300 Building $165,200 | $176,500 (+7.75%) Land $11,300 Building $165,200 |
| 2024 | $163,800 Land $12,100 Building $151,700 | $163,800 Land $12,100 Building $151,700 | |
| 2023 | $1,990.00 | ||
| 2022 | $131,600 Land $11,100 Building $120,500 | $131,600 Land $11,100 Building $120,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 838 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 838 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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