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831 Commonwealth Ave, Duluth, MN, 55808

5beds
2baths
2,198sqft
$325,000
$148price/sqft
$2,333/moest. monthly cost
$93,320/yrincome needed

About This Home

Lots of room in this one!! Featuring 5-bedrooms and 2-baths, this beautiful ranch has been freshly painted with newer flooring and updated baths and kitchen. 3 beds and a bath up and 2 beds and a bath down with a huge family room and office in the lower level. The listing broker is part owner of the selling entity, and the other owner is a licensed real estate professional in Minnesota. Fully licensed rental. Some photos have been enhanced using AI for brightness, clarity, and color balance. Select vacant spaces have been virtually staged using AI to illustrate potential furniture placement.

Getting Around

29
WalkingCar-Dependent
24
TransitMinimal Transit
36
BikeSomewhat Bikeable

Schools

4/10
Stowe Elementary SchoolGrades PK-50.2 mi
4/10
5/10

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2001

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt Shingle
  • Construction materials: Vinyl,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Egress Windows,Finished,Bath,Bedrooms,Den/Office,Family/Rec Room,Washer Hook-Ups,Dryer Hook-Ups

Bedroom

  • Level: Main
  • Area: 144
  • Dimensions: 12 x 12

Bedroom

  • Level: Main
  • Area: 132
  • Dimensions: 11 x 12

Bedroom

  • Level: Main
  • Area: 121
  • Dimensions: 11 x 11

Bedroom

  • Level: Lower
  • Area: 132.25
  • Dimensions: 11.5 x 11.5

Bedroom

  • Level: Lower
  • Area: 121
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 100
  • Dimensions: 10 x 10

Family Room

  • Level: Lower
  • Area: 280
  • Dimensions: 14 x 20

Features

  • Finished area below ground: 1,000
  • Finished area above ground: 1,198

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,198 sqft

Kitchen

  • Level: Main
  • Area: 110.5
  • Dimensions: 8.5 x 13

Living Room

  • Level: Main
  • Area: 256
  • Dimensions: 16 x 16

Office

  • Level: Lower
  • Area: 96
  • Dimensions: 8 x 12

Property

Details

  • Parcel number: 010343018620
  • Foundation area: 756

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 63 x 140

Parking

  • Total spaces: 1
  • Parking features: Attached,Insulation
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Hail
Inland Flooding
Strong Wind

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,643$19,716
Home Insurance *$147$1,764
Property Taxes $358$4,296
Electricity $185$2,224
Total$2,333$27,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,988/yr
40% on housing$69,990/yr
45% on housing$62,213/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 55808$154
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55808
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-21Listed for sale$325,000
2021-12-28Sold$115,000
2020-12-24Sold$130,000
2002-11-07Sold$150,000

For Sale by Agent

AgentMichael Hoffman
BrokerageMichael Hoffman Realty

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