924 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 924 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,518 sqft · built 2007
Lot Size	0.065 acres (2,845 sqft)
Owner	2 Trust Names on File
Last Sale	$990,000 (Jul 2022)
Tax Bill	$16,278 (2026)
Deeds & Mortgages	Jul 2022 Sale Apr 2018 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-4045-00080`

Property Details

APN / Parcel Number

Primary APN	`010-4045-00080`
Alternative APNs	`1111487` `1178823`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,518 sqft Gross Area
1st Floor Area	1,259 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	2,845 sqft (0.065 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	78 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1178823
Street Address	924 S LAKE AVE
City	DULUTH
State	MN
Zip	55802-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 8 AND UNIT G8 AND AN UNDIVIDED INTERESTIN THE COMMON ELEMENTS SERIAL #
Legal Subdivision	SOUTH PIER SHORES ON THE LAKE
Legal Unit	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	2200

Owner

924 S Lake Ave is held in a trust since July 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	370 WABASHA ST N, 1600, SAINT PAUL, MN 55102-1334
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Apr 26, 2018	Loan Modification, Mortgage 21ST CENTURY BK
Apr 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 22, 2017	Warranty Deed, Transfer TWENTY FIRST CENTURY BK
Oct 20, 2017	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2022 · Amount on File
Deed Sale	Jul 25, 2022 · Amount on File
Prior Sale	Dec 22, 2017 · Amount on File
Deed Document Number	20221059192
Prior Transfer Date	Mar 16, 2018
Prior Transfer Doc	0000996805
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 25, 2022
Property Address	924 S LAKE AVE, DULUTH, MN 55802-2406
Document Number	0001059192
Instrument Date	Jul 14, 2022
Instrument	1059192
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$3,267.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9035 7TH ST N, LAKE ELMO, MN 55042-4480

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	924 S LAKE AVE, DULUTH, MN 55802-2406
Document Number	0001002711
Instrument Date	Apr 26, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8701 WYOMING AVE N BROOKLYN PARK MN 554451832, BROOKLYN PARK, MN 55445-1832

Mortgage

Document Number	0001002711
Date	Sep 14, 2018
Instrument	1002711

Lender

Name	21ST CENTURY BK
Type	Bank
Address	MINNEAPOLIS, MN 55401

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 13, 2038

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 11, 2018
Property Address	924 S LAKE AVE, DULUTH, MN 55802-2406
Document Number	000T996805
Instrument Date	Mar 16, 2018
Instrument	T996805
Transaction Type	Transfer
Record Updated	Apr 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8701 WYOMING AVE N BROOKLYN PARK MN 554451832, BROOKLYN PARK, MN 55445-1832

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 22, 2017
Property Address	924 S LAKE AVE, DULUTH, MN 55802-2406
Document Number	000T993499
Instrument Date	Dec 15, 2017
Instrument	T993499
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ARROWHEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,722.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8701 WYOMING AVE N BROOKLYN PARK MN 554451832, BROOKLYN PARK, MN 55445-1832

Mortgage

Document Number	T993500
Date	Dec 22, 2017
Instrument	T993500

Lender

Name	TWENTY FIRST CENTURY BK
Type	Bank
Address	MINNEAPOLIS, MN 55401

Agreement

Amount	Amount on Record
Term	240 Months
Due	Dec 21, 2037

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	924 S LAKE AVE, DULUTH, MN 55802-2406
Document Number	000T991321
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	924 S LAKE AVE DULUTH MN 558022406, DULUTH, MN 55802-2406

Mortgage

Document Number	000T991321
Date	Oct 25, 2017
Instrument	T991321

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 24, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 924 S Lake Ave was $16,278, up 4.3% from the year before.

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	$16,278.00 (+4.25%)
2025	$15,614.00 (+4.54%)	$1,027,800 (+0.31%) Land $73,100 Building $954,700	$1,027,800 (+0.31%) Land $73,100 Building $954,700
2024	$14,936.00	$1,024,600 Land $158,300 Building $866,300	$1,024,600 Land $158,300 Building $866,300
2022		$956,800 Land $90,500 Building $866,300	$956,800 Land $90,500 Building $866,300

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

Flood

FEMA maps place 924 S Lake Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

The area around 924 S Lake Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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