922 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 922 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,640 sqft · built 2007
Lot Size	0.081 acres (3,551 sqft)
Owner	Company Name on Record
Last Sale	$1,350,000 (Sep 2026)
Tax Bill	$17,176 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4045-00070`

Property Details

APN / Parcel Number

Primary APN	`010-4045-00070`
Alternative APNs	`1196749` `947849`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,640 sqft Gross Area
1st Floor Area	1,320 sqft
Basement Area	264 sqft
Finished Basement	264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Exterior Material	Metal
Construction Type	Frame
Lot Area	3,551 sqft (0.081 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	34 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1196749
Street Address	922 S LAKE AVE
City	DULUTH
State	MN
Zip	55802-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 7 AND UNIT G7 AND AN UNDIVIDED INTERESTIN THE COMMON ELEMENTS SERIAL #
Legal Subdivision	SOUTH PIER SHORES ON THE LAKE
Legal Unit	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	2200

Owner

Source: St. Louis County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	525 S LAKE AVE, 100, DULUTH, MN 55802-2301
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Special Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CREDIT UNION
Apr 28, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 10, 2018	Loan Modification, Mortgage · Line of Credit REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2026 · Amount on Record
Deed Sale	Sep 11, 2026 · Amount on Record
Prior Sale	Jun 27, 2012 · Amount on Record
Deed Document Number	20261105825
Prior Transfer Date	Apr 28, 2026
Prior Transfer Doc	0001100976
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 11, 2026
Property Address	922 S LAKE AVE, DULUTH, MN 55802-2406
Document Number	0001105825
Instrument Date	Sep 11, 2026
Instrument	20261105825
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$449,955.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0001105826,
Date	Sep 11, 2026
Instrument	20261105826

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 28, 2026
Property Address	922 S LAKE AVE, DULUTH, MN 55802-2406
Document Number	0001100976
Instrument Date	Apr 28, 2026
Instrument	20261100976
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$166.65
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	922 S LAKE AVE, DULUTH, MN 55802-2406

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	922 S LAKE AVE, DULUTH, MN 55802-2406
Document Number	000T996973
Instrument Date	Apr 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	922 S LAKE AVE DULUTH MN 558022406, DULUTH, MN 55802-2406

Mortgage

Document Number	000T996973
Date	Apr 16, 2018
Instrument	T996973

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 15, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,176.00 (+16.8%) Homeowner's exemption
2025	$14,706.00 (+6.15%) Homeowner's exemption	$1,080,000 (+11.32%) Land $83,900 Building $996,100	$1,080,000 (+11.32%) Land $83,900 Building $996,100
2024	$13,854.00	$970,200 (+8.52%) Land $177,900 Building $792,300	$970,200 (+8.52%) Land $177,900 Building $792,300
2022		$894,000 Land $101,700 Building $792,300	$894,000 Land $101,700 Building $792,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1986–2019)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber.

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