St. Louis County property record for 854 Charles Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 616 sqft · built 1926 |
| Lot Size | 0.226 acres (9,847 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $103,000 (Aug 2006) |
| Tax Bill | $1,674 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Aug 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0840-01080 |
| Primary APN | 010-0840-01080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 616 sqft Gross Area |
| 1st Floor Area | 616 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 9,847 sqft (0.226 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 60 sqft |
| Storage Building | 63 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1151773 |
|---|---|
| Street Address | 854 CHARLES AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 10 FT OF LOT 24 AND ALL OF LOTS 25 TO27 SERIAL # |
| Legal Subdivision | DICKERMANS DIV OF DULUTH |
| Legal Block | 3 |
| Legal Lot Number | 24-27 |
| 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 | 854 CHARLES AVE, DULUTH, MN 55807-1415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Line of Credit CENTRAL CITY CREDIT UNION |
| Aug 16, 2023 | Deed of Trust, Mortgage · Line of Credit HERMANTOWN FCU |
| Jul 24, 2023 | Affidavit of Death of Joint Tenant, Transfer NOT AVAILABLE, PIONEER TITLE TWIN PORTS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2006 · Amount on Record |
| Deed Sale | Aug 25, 2006 · Amount on Record |
| Deed Document Number | 2006823145 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 29, 2026 |
| Property Address | 854 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001102978 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 20261102978 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 854 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001102978, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 20261102978 |
| Name | CENTRAL CITY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 16, 2051 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 854 CHARLES AVE, DULUTH, MN 55807-1415 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001071267 |
|---|---|
| Date | Aug 16, 2023 |
| Instrument | 1071267 |
| Name | HERMANTOWN FCU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 20, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 24, 2023 |
| Property Address | 854 CHARLES AVE, DULUTH, MN 55807-1415 |
| Document Number | 0001070466 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 1070466 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Title Company | NOT AVAILABLE, PIONEER TITLE TWIN PORTS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 854 CHARLES AVE, DULUTH, MN 55807-1415 |
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 | $1,674.00 (-0.48%) Homeowner's exemption | ||
| 2025 | $1,682.00 (+0.84%) Homeowner's exemption | $160,700 (+6.64%) Land $21,000 Building $139,700 | $160,700 (+6.64%) Land $21,000 Building $139,700 |
| 2024 | $1,668.00 (+10.17%) | $150,700 (+22.32%) Land $22,400 Building $128,300 | $150,700 (+22.32%) Land $22,400 Building $128,300 |
| 2023 | $1,514.00 Homeowner's exemption | ||
| 2022 | $123,200 (+24.19%) Land $20,700 Building $102,500 | $123,200 (+24.19%) Land $20,700 Building $102,500 | |
| 2021 | $99,200 Land $16,700 Building $82,500 | $99,200 Land $16,700 Building $82,500 |
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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