931 S Lake Ave, Duluth, MN 55802 Property Records

St. Louis County property record for 931 S Lake Ave, Duluth, MN 55802

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,229 sqft · built 1896
Lot Size	0.138 acres (6,040 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jun 2023)
Tax Bill	$5,384 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-4380-02160`

Property Details

APN / Parcel Number

Primary APN	`010-4380-02160`
Alternative APNs	`1150652` `16976`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,229 sqft Gross Area
1st Floor Area	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1941
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,040 sqft (0.138 acres)
Garage Area	336 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	20 sqft
Deck Area	192 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil

Location & Zoning

Account Number	1150652
Street Address	931 S LAKE AVE
City	DULUTH
State	MN
Zip	55802-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 1/2 OF LOT 184 AND ALL OF LOT 186 SERIAL #
Legal Subdivision	UPPER DULUTH LAKE AVE
Legal Lot Number	184,186
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1011
Census Tract	2200

Owner

931 S Lake Ave is owned and occupied by an individual who acquired it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	931 S LAKE AVE, DULUTH, MN 55802-2405
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit MINNESOTA POWER EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Deed Document Number	20231469109
Last Transfer Date	May 16, 2024
Transfer Doc	0001488808
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 30, 2023
Property Address	931 S LAKE AVE, DULUTH, MN 55802-2405
Document Number	0001469109
Instrument Date	Jun 22, 2023
Instrument	1469109
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,254.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	931 S LAKE AVE, DULUTH, MN 55802-2405

Mortgage

Document Number	0001469110
Date	Jun 30, 2023
Instrument	1469110

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2038

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	931 S LAKE AVE, DULUTH, MN 55802-2405
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001464040
Date	Mar 29, 2023
Instrument	1464040

Lender

Name	MINNESOTA POWER EMPLOYEES CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 28, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 931 S Lake Ave was $5,384 with a homeowner's exemption, up 22.1% 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	$5,384.00 (+22.09%) Homeowner's exemption
2025	$4,410.00 (-5.2%) Homeowner's exemption	$411,300 (+22.48%) Land $122,500 Building $288,800	$411,300 (+22.48%) Land $122,500 Building $288,800
2024	$4,652.00 (+12.91%)	$335,800 Land $119,700 Building $216,100	$335,800 Land $119,700 Building $216,100
2023	$4,120.00 Homeowner's exemption
2022		$284,600 (+20.24%) Land $57,900 Building $226,700	$284,600 (+20.24%) Land $57,900 Building $226,700
2021		$236,700 Land $48,300 Building $188,400	$236,700 Land $48,300 Building $188,400

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

Flood

FEMA maps place 931 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 931 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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