St. Louis County property record for 996 85th Ave W, Duluth, MN 55808
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.75 ba · 2,160 sqft · built 1917 |
| Lot Size | 0.16 acres (6,990 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Sep 2025) |
| Tax Bill | $2,872 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Feb 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3300-04420 |
| Primary APN | 010-3300-04420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 14 Rooms |
| Stories | 1 Story |
| Building Area | 2,160 sqft Gross Area |
| 1st Floor Area | 1,282 sqft |
| Basement Area | 660 sqft |
| Finished Basement | 660 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Lot Area | 6,990 sqft (0.16 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Gravity Furnace |
| Heating Fuel | Gas |
| Account Number | 1187553 |
|---|---|
| Street Address | 996 85TH AVE W |
| City | DULUTH |
| State | MN |
| Zip | 55808-1405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0006 BLOCK:032 SERIAL # |
| Legal Subdivision | MORGAN PARK OF DULUTH |
| Legal Block | 32 |
| Legal Lot Number | 6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 3700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 996 85TH AVE W, DULUTH, MN 55808-1405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 8, 2025 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 5, 2019 | Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2025 · Amount on Record |
| Deed Sale | Sep 8, 2025 · Amount on Record |
| Prior Sale | Jul 12, 2001 · Amount on Record |
| Deed Document Number | 20251093901 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 8, 2025 |
| Property Address | 996 85TH AVE W, DULUTH, MN 55808-1405 |
| Document Number | 0001093901 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 1093901 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2025 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 996 85TH AVE W, DULUTH, MN 55808-1405 |
| Document Number | 0001093902 |
|---|---|
| Date | Sep 8, 2025 |
| Instrument | 1093902 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 996 85TH AVE W, DULUTH, MN 55808-1405 |
| Document Number | 00T1008781 |
| Instrument Date | Feb 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 996 85TH AVE W DULUTH MN 558081405, DULUTH, MN 55808-1405 |
| Document Number | 00T1008781 |
|---|---|
| Date | Mar 22, 2019 |
| Instrument | T1008781 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 21, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,872.00 (-0.28%) Homeowner's exemption | ||
| 2025 | $2,880.00 (-6.68%) Homeowner's exemption | $379,100 (+63.33%) Land $15,400 Building $363,700 | $379,100 (+63.33%) Land $15,400 Building $363,700 |
| 2024 | $3,086.00 | $232,100 (+23.52%) Land $18,000 Building $214,100 | $232,100 (+23.52%) Land $18,000 Building $214,100 |
| 2022 | $187,900 Land $16,800 Building $171,100 | $187,900 Land $16,800 Building $171,100 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
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 248 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Airfiber Fixed Wireless | 100 / 20 |
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