St. Louis County property record for 915 N Central Ave, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.25 ba · 2,120 sqft · built 1918 |
| Lot Size | 0.114 acres (5,006 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,500 (Jun 2016) |
| Tax Bill | $4,166 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jul 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-12980 |
| Primary APN | 010-4520-12980 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,120 sqft Gross Area |
| 1st Floor Area | 1,130 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 5,006 sqft (0.114 acres) |
| Garage Area | 756 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 40 sqft |
| Deck Area | 366 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 1010527 |
|---|---|
| Street Address | 915 N CENTRAL AVE |
| City | DULUTH |
| State | MN |
| Zip | 55807-1367 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 AND NLY 15 FT OF LOT 6 SERIAL # |
| Legal Subdivision | WEST DULUTH |
| Legal Block | 93 |
| Legal Lot Number | 5-6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 3000 |
915 N Central Ave is owned and occupied by an individual who bought it in June 2016.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 915 N CENTRAL AVE, DULUTH, MN 55807-1367 |
| 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 2, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Jul 19, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2016 · Amount on File |
| Deed Sale | Jun 10, 2016 · Amount on File |
| Deed Document Number | 20161286372 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 915 N CENTRAL AVE, DULUTH, MN 55807-1367 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 915 N CENTRAL AVE, DULUTH, MN 55807-1367 |
| Document Number | 0001471221 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 1471221 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 915 N CENTRAL AVE, DULUTH, MN 55807-1367 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001470251 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | 1470251 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 915 N Central Ave was $4,166, up 11% 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 | $4,166.00 (+10.97%) | ||
| 2025 | $3,754.00 (-0.27%) | $312,100 (+14.32%) Land $12,900 Building $299,200 | $312,100 (+14.32%) Land $12,900 Building $299,200 |
| 2024 | $3,764.00 | $273,000 Land $13,800 Building $259,200 | $273,000 Land $13,800 Building $259,200 |
| 2022 | $276,100 Land $12,700 Building $263,400 | $276,100 Land $12,700 Building $263,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 915 N Central 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 915 N Central Ave is low, with 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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 583 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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