Austin — HOLC area Best (grade A)
Graded "Best" — new, homogeneous, and in HOLC's words "in demand as residential locations in good times and bad". In practice, restricted to white residents.

Austin — HOLC area Good (grade B)
Graded "Still Desirable" — expected to hold value, but nearing the end of its most desirable period.

Austin — HOLC area Fair (grade C)
Graded "Definitely Declining" — described as an area of "infiltration of a lower grade population", language HOLC applied to the arrival of Black, Jewish and immigrant residents.

Austin — HOLC area Poor (grade D)
Graded "Hazardous" — outlined in red. Lending was withheld here for decades. Grades turned explicitly on the race, ethnicity and immigration status of residents.

Austin — HOLC area Industrial District
No grade recorded on the original survey sheet.

Austin — HOLC area Commercial & Light Industrial District
No grade recorded on the original survey sheet.

Duluth — HOLC area A1 (grade A)
Graded "Best" — new, homogeneous, and in HOLC's words "in demand as residential locations in good times and bad". In practice, restricted to white residents.
This area, occupied by business and professional people, is situated in the northeast section of the city with a favorable influence of a golf course and the nearby Lake Superior. Houses therein range in values from $3500 to $6500, practically 100% frame construction, ranging in age from new to 25 years. The area is well preserved with all modern improvements and public utilities. Values in this area have held up as well as in any other section of the city and give promise of an early comeback, as well as appreciation in amount equal to any other portion of the city. At least 90% of the houses in this district are owner occupied.
Narrative form — no structured demographic boxes

Duluth — HOLC area A2 (grade A)
Graded "Best" — new, homogeneous, and in HOLC's words "in demand as residential locations in good times and bad". In practice, restricted to white residents.
This narrow strip on the shore of Lake Superior contains three large estates, among the most expensive in Duluth. These are located on the southwest one half of this district. The northeast half has a few homes of the better class, with prospects of additional development in the near future. The location of these homes on the lake shore is a particularly favorable influence.
Narrative form — no structured demographic boxes

Duluth — HOLC area A3 (grade A)
This is considered the best residential section in Duluth, having the favorable influence of Congdon Park, which divides it; the golf club and the lake. It is not too far removed from the business district. That portion of the district east of the Hawthorne road is restricted as to type and cost of construction, but the entire district has restrictions as to business encroachments and building lines. The age of the construction is from new up to 30 years, but the older properties are well preserved. Frame construction predominates. Values in this area fluctuate, ranging from a minimum of $5,000 to $50,000. There has been some new development in this area. Sales in this area, both in number and value, have been far ahead of any other district in the city. Houses in this area are almost entirely owner occupied.
Narrative form — no structured demographic boxes

This area is considered the best residential section in the western section of Duluth, which portion is occupied almost entirely by the industrial working class. The district compares favorably with A-1 as to the type of security and the general character of the people living therein. Residing in A-4 are salaried persons from nearby industrial plants, business and professional men of the west end of the city. Virtually all houses in this area have been built within the last 30 years and in value range from $3,000 to $6,000. This is considered a very choice lending territory, due not only to the type of security, but the integrity displayed, generally, by the class of people living therein.

Duluth — HOLC area B1 (grade B)
Graded "Still Desirable" — expected to hold value, but nearing the end of its most desirable period.
This area is occupied by a modest class of people, including tradespeople, mechanics, employees of business houses, etc. Much of the construction consists of small houses, ranging in age up to 20 years and in current value from $2500 to $4500. Topography of this district is level compared to that of A-3 and nearly every other part of the city.

Duluth — HOLC area B2 (grade B)
Graded "Still Desirable" — expected to hold value, but nearing the end of its most desirable period.
This is known as Woodland, a development which was begun over 20 years ago. Houses therein are small, running from $2000 to $4000 in current value. This district promises to be stable for some time, due to the demand for the class and type of houses therein.

Duluth — HOLC area B3 (grade B)
This is Hunter's Park, highly regarded as a home owning section. It is one of the oldest residential developments in the city and still occupied by some of the more affluent and leading families of the city. There are a number of the larger, older homes of the city in this area. With the exception of a few of the higher priced houses, the average current value in this district would be $4000 to $8000. In age the houses range from new to 40 years.

Up to 20 years ago this was the best average residential district in the city. Some of the older substantial homes of the city are located in the area but generally it is declining, many of the old houses being transformed into small apartments and duplexes. The adjoining declining sections on the south and west are gradually encroaching upon B-4. Residing herein are a good class of citizens, including some of the leading business men of the city. Most of the houses in the area are from 30 to 50 years old and are beginning to undergo rehabilitation. It is fast becoming a rental district. Most sales in the area are sacrifices.

This is an area of small modest homes, some duplexes and double houses, ranging in age up to 30 years. It is favorably located on a hill overlooking Lake Superior. The area is occupied by salaried persons from the business district. The average house value in the district is $4000.

This district virtually marks the beginning of what is commonly referred to as the west end of Duluth. As to the type of houses, class of occupants, age and every other phase, it compares with B-5.

This section is in what is referred to as "West Duluth" and is comparable in every particular with B-5 to B-6.

Duluth — HOLC area C1 (grade C)
Graded "Definitely Declining" — described as an area of "infiltration of a lower grade population", language HOLC applied to the arrival of Black, Jewish and immigrant residents.
Small, cheap houses on acre tracts predominate in this area which is only sparsely developed. The tract was put on the market from 1920 to 1922. It is more of an intermediate or third grade than a declining area.

Duluth — HOLC area C10 (grade C)
Graded "Definitely Declining" — described as an area of "infiltration of a lower grade population", language HOLC applied to the arrival of Black, Jewish and immigrant residents.
This small area is blighted by adjoining railroad tracks. Laborers occupy the small inexpensive homes in the area. This district more or less shields the adjoining A-4 from the annoyance of the railroad.

Duluth — HOLC area C11 (grade C)
This is an old part of West Duluth sandwiched between two railroad tracks, occupied by workers from the adjoining plants. Light industry has encroached upon the area. Houses in the area are from 15 to 50 years old.

This is a comparatively new development, where small lots were laid out and cheap and small construction predominates. Laborers from industrial plants occupy the area. This area boomed during the War due to the impetus of the nearby steel plant development and ship building.

The northeast one third of this area, adjacent the ship yard, was built during the War to house industrial workers. The remaining southwest portion is a development begun 45 years ago. The entire district is occupied by industrial workers.

This is what is known as Lester Park, an old part of the city wherein the security ranges in value from $3000 to $5000. Many of the houses therein are at least 50 years old and occupied largely by tradesmen and laboring class of people. Most of the houses are owner occupied.

This is Morley Heights, a post war development by Marshall-Wells Company, which was a great disappointment. The houses were moved from Michigan and replaced in this district. The security ranges in value from $1500 to $3500. A good class of moderate income people live in the area.

Houses in the northeast half of this district are of the new construction and the other portion of old constructions - at one time one of the choicest parts of the city. Occupants of the area are cosmopolitan in character, including business people and laborers. Multiple dwellings are common in this district. Average value of the security is $4500.

This is Kenwood, a sparsely settled section of cheap acre tract homes occupied by the low income class.

This large area is typical of those blighted by encroachments of principal business district of the city. It is now the cheaper rental district of Duluth and occupied by many nationalities of the low income class, including negroes. There will be no further development in this district and virtually no sale for property.

This is the Homewood district, an inaccessible district of cheap constructions, average 20 acres. The area is occupied by a low income class.

This is a reasonably good district of acre tracts and small farms. Living in the area is a small income group who augment their earnings by use of the soil. The houses are small, but modern, ranging in value from $2500 to $4000. Virtually all are owner occupied.

This is an old section situated on a steep incline. Foreign industrial workers occupy the area, Italians predominating. Most of the constructions is old and shabby.

Duluth — HOLC area D1 (grade D)
Graded "Hazardous" — outlined in red. Lending was withheld here for decades. Grades turned explicitly on the race, ethnicity and immigration status of residents.
This small strip along the lake shore is a semi-industrial section, containing railroad yards, warehouses, etc. Residences therein are old and cheap and occupied by the poorest laboring class.

Duluth — HOLC area D2 (grade D)
Graded "Hazardous" — outlined in red. Lending was withheld here for decades. Grades turned explicitly on the race, ethnicity and immigration status of residents.
This know as Minnesota Point, a narrow peninsula dividing Lake Superior and St. Louis Bay. Although it is one of the oldest settlements in Duluth, it was begun more or less as a summer resort section, but of late years the houses therein have been the permanent residences of its occupants. This natural barrier is entirely of sand. One advantage is the rather extensive governmental developments which are just beginning on the strip.

Duluth — HOLC area D3 (grade D)
This is Duluth Heights, an old development situated on the top of the hill. In many respects it is a small settlement isolated from the rest of the city by the natural barriers. Tradespeople, laborers and other low incomes residents live in the area and were attracted to it because of the cheapness of the houses and the low rent. This section has been stagnant for 25 years.

This is a small development on a steep rocky hill, inaccessible to the occupants. A low income class occupy the small, cheap, undesirable homes in the area.

This small strip near the bay front docks is an industrial district, occupied by workers from nearby plants. It is undesirable from every standpoint, except of homes. Light industry is encroaching upon the area.

The northeast portion of this area is largely undeveloped, but the southern portion is rather heavily built up. The entire area, between railroads and industrial plants along the waterfront, is occupied by laborers from these industrial enterprises. Most of the houses are nearly 50 years in age. Foreigners predominate in this section.

This is New Duluth and Gary. Purely a real estate development which gained impetus from the adjoining steel plants. New Duluth is at least 50 years old and Gary is from 20 to 25 years old. The district is occupied largely by foreigners and some negroes. Despite the class of security and occupants, there exists a high regard for home ownership among most of the foreigners in this area.

This is Fond du Lac - an old development in the extreme southwestern portion of Duluth, occupied at present by a reasonably good class of people, but entirely stagnant from a real estate and mortgage lending standpoint. This motion has some advantages from a recreational standpoint.

Duluth — HOLC area E1 (grade E)
Recorded in some surveys for commercial or industrial land rather than a residential grade.

Duluth — HOLC area Business and Industrial
No grade recorded on the original survey sheet.

Mankato — HOLC area Hazardous as Residential

Mankato — HOLC area Still Good as Residential

Mankato — HOLC area Definitiely Declining as Residential

Mankato — HOLC area Best Residential

Mankato — HOLC area Industrial, Commercial, & Underdeveloped

Minneapolis — HOLC area A1 (grade A)
This is a newly developed district, approximately ten years old, with frame and stucco dwellings predominating. Professional and business men reside herein. On the east is beautiful lake Nokomis with two bathing beaches, canoe racks and recreation building, flanked on all sides by extensive landscaping and winding road. To the northeast is Hiawatha Lake with a public golf course. Houses range in value from $6,000 to $15,000. The dwellings are mostly one, one and one-half and two stories high, fully 90% owner-occupied. All modern improvements and public utilities are here. The district is a very desirable one from every point of view. Very little rehabilitation is needed. Values herein depreciated approximately 25% to 30% with a recovery of about one-half of the drop.

Minneapolis — HOLC area A10 (grade A)
This is a development of the last ten years, occupied by the high salaried business and professional class. Houses range in value from $6,000 to $10,000, some of brick but frame and stucco predominating. The desirability of this location is that it is on a high spot overlooking Minneapolis. It is accessible to Cedar Lake with bathing facilities, Brownie Lake is to the west, while the rolling hills beyond afford a beautiful view. To the northwest is Glenwood Park, one of the largest and most attractive parks in Minneapolis. Immediately to the south and east about fifty feet below the high point of this area are the tracks of the Minneapolis and St. Louis Railway. This, however, does not materially hurt the district as the tracks are about 75 yards to 100 yards away and are not visible. The district has reached its best development because of the circumscribed area in which it is located. Values are fairly well maintained, the depression shrinkage being about 30% and recovery 15%.

Minneapolis — HOLC area A11 (grade A)
This area is located near the westerly city limits in what is known as North Minneapolis. It was platted by the David C. Bell Investment Company with restrictions as to size of lots and also cost of construction. The platting was made shortly before the World War and the development was only moderately fast. During the war and shortly thereafter, many people of the Jewish race, who had acquired wealth during that period, moved in to this section, and Jews comprise almost the entire population of the district. This district, because of the patronage of one race, has possibly reached its peak both in values, and its desirability which will largely be confined to that race. Many wealthy Jewish people, during the past ten years, have moved to the southwestern part of Minneapolis desiring to get away from one district which is confined to only members of their own race. Homes range from $4,500 to $30,000 in value and in age from three to 20 years old, some brick but with frame and stucco predominating. Some rehabilitation is necessary, particularly in that part easterly from Thomas Avenue to Queen Avenue, bounded on the north by Plymouth south to Eighth Avenue. The undesirable feature of this neighborhood is the close proximity of the lower class of Jewish people residing immediately adjacent to the east and south of this area, which homes, in many instances are 40 to 50 years old. Values in A11 depreciated about 40% from 1929 to 1933 with a recovery of about 20% of the drop. That, however, would pertain only to Jewish purchasers. The fact that the market in this area is confined largely to Jews, make the section undesirable to others. This estimate of values would be confined to Jewish transactions.

This small area is located on high land, overlooking the Glenwood Parkway and Golf Course to the southwest. Houses range in agree from three to 20 years; and in value from $5,500 to $10,000. Frame, brick, and stucco make up the construction with stucco predominating. The area is occupied principally by business and professional men; the majority of whom are owners. Very little rehabilitation is required herein. It is a desirable neighborhood its only detrimental influence being a creamery located at 19th and Xerxes. To the southwest and just outside the city limits is Glenwood Golf Course. Looking westerly from this district the contour of the ground is rolling with two lakes nestling between the hills, affording a beautiful view. Values dropped between 25% and 30% of which about 15% has been recovered.

This small area faces Memorial Drive. It has been developed within the past fifteen years. Homes range in value from $6,000 to $10,000 and are a mixture of brick and stucco, with stucco predominating. Professional and business men, most of them whom own their homes, reside herein. Very little rehabilitation is necessary. This area overlooks Memorial Drive, part of the "Grand Concourse" which surrounds Minneapolis. This is a good lending territory, values depreciating only about 25% during the depression period with a normal recovery. There is no danger of encroachment from any side. The topography of the district is flat.

This district is very similar to that of A13. The area also overlooks part of the Grand Concourse. The Armour Golf Course, one of the public courses, is immediately to the east, outside of the city limits. This is desirable lending territory, and practically all owner occupied. Values dropped about 25% and have demonstrated a normal recovery.

This area is occupied by business and professional people and is one of the most desirable residential neighborhoods in Minneapolis, with Lake Harriet immediately to the northwest. Homes range in value from $6,000 to $50,000 and in age, from three to thirty years. The area is highly developed and well maintained with all modern improvements. The southeastern part has houses chiefly of frame and stucco and just east from Lake Harriet, brick and stucco homes predominate. The homes are very well maintained and little rehabilitation is needed. There are many two-story homes, while some of the larger and more costly dwellings are two and one-half and three stories. The area is nearly 100% owner-occupied. Favorable influences are the Minnehaha Parkway and Creek from west to east boundary, and Lake Harriet on the northwestern side. The trend of the growth in Minneapolis is to the south and southwest and this area is one of the choicest sections. Values have held up here in the same proportion a in A1.

It is favorably located with Lake Calhoun on the north and Lake Harriet to the southeast of it. Construction is brick, frame and stucco with one, one and a half and two story houses. Very few homes are for rent in this area. It is substantially all owner-occupied by business and professional men. Very little rehabilitation is needed. Values range from $6,000 to $15,000. Immediately to the north is the Minikahda golf course, one of the best in the city. Values have held up very well in this section, shrinkage being about 25% with a 12% recovery. There are many favorable features such as Lake Harriet, and Lake Calhoun, which afford recreation facilities for bathing, fishing, boating in the summer and skating and ice-boating in the winter. These lakes are maintained by the Park board. Beautiful shrubbery line the shores of both.

This is a choice small well located area on a high point overlooking Lake Calhoun to the west. It has been developed in the last ten years. Most of the houses are of frame and stucco, ranging in values from $6,500 to $15,000. Duplexes in this area rented at one time for $135 a unit but today rent at from $80 to $100. Favorable features are the Lake Calhoun bathing beaches not far distant, and the Lake Harriet bathing beaches to the south. It also is very accessible to the business district on Lake Street and to the north has ready accessibility into the downtown loop district. Values herein dropped about 40% and have recovered approximately 20%.

This is a small area of homes located along the eastern portion of Lake Nokomis and Hiawatha Lake. The houses are of brick, frame and stucco constructions; with stucco predominating. Most of the dwellings are one and one-half and two stories. They range in value from $5,000 to $10,000. Most of them are owner-occupied with business and professional men residing in the area. The favorable features are the adjacent Lake Hiawatha and Lake Nokomis, with their bathing beaches and adjoining golf course. This is a very desirable location, with accessibility along Minnehaha Boulevard to many arterial streets running either into the loop in Minneapolis or St. Paul on the east. Houses range in age from 5 to 12 years and shrunk in value about 35% with a recovery of 20%.

A small newly developed area on the west side of the Mississippi River with houses ranging in cost from $6,000 to $10,000 and in age from five to ten years. The Park Board controls the wooded section on the east side to the river. The district is largely owner occupied. Construction is a mixture of brick, frame and stucco. This section has probably reached its best development. Values have held up well, with a depression shrinkage of about 35% and a recovery of 20%.

Business and professional men live in this predominantly owner-occupied area wherein houses range in value from $6,500 to $15,000 and in age from five to fifteen years. Construction is of brick, frame and stucco. The area is well preserved. It has all modern improvements and conveniences. The west part of this district is located on level land, high above the Mississippi River. The Park Board controls all land to the east between West River Road and the river. The area on the east side of the River can be described in like manner as above, except that it is on lower ground. It has the same beautiful view along the River. Approximate depreciation here 30%, with recovery 10% and 12%. The area northeast of A7 on east side of the River is approximately two long blocks, from Franklin Avenue on the north to Cecil Street on the south. Professors at the University of Minnesota, and others who are connected with the University find this a choice location. Homes here are of stucco and frame construction. They range in value from $3,500 to $6,500. The railroad shown northeasterly of this area does not materially lessen the value of its use for residential purposes. The lots are deep, and the tracks shown constitute a spur and is used mostly for only one industry, the Barber Oil Company, which is located on the north side of Franklin Avenue.

This area has been developed during the past ten years. Homes are all modern mostly of the two-story type with some duplexes, ranging in value from $7,000 to $15,000. Nearly all of the houses except duplexes are owner occupied. Duplexes rent from $85 to $100 a unit compared to former prices of $100 to $135. Due to the proximity of this section to the park lakes, it is a highly desirable residential area. Values herein held up well. Depreciation 30%, recovery 12% to 15%.

This is an attractive area highly desirable as a residential section. Most of the dwellings front on Lake of the Isles, maintained by the Park Board. Along the winding shores of the lake are bridle paths, wide areas of large fine trees, shrubbery and lawns. This area is also close to Cedar Lake and Lake Calhoun, both of which have bathing beaches, boating and ice skating facilities. Practically all houses in this area are owner-occupied. Values range from $7,000 to $7,500. Construction is of frame, stucco and brick, running in age from 10 years to 30 years. Professional and business men of the more affluent class occupy this area. Depreciation in values between 1929 and 1933 was severe in this area because so many of the homes are large structures wherein cost of upkeep is great. It is estimated that values shrunk 45% and have been slow in recovery.

Minneapolis — HOLC area B1 (grade B)
This small area is populated by salaried people of moderate means. The homes are constructed of frame and stucco with stucco predominating; mostly small single homes of one, and one and one-half stories. Some rehabilitation is necessary. The houses range in age from five to 15 years and in cost from $3,500 to $5,000. These homes are practically all owner-occupied. Values were fairly well maintained in this district, the depression shrinkage being about 30% and recovery 40% of the drop. The Columbia Park, and Columbia Municipal Golf Course, immediately north of the area, are favorable factors.

Minneapolis — HOLC area B10 (grade B)
This section is an old part of the city south of Loring Park. It is occupied by business and professional men including some of the high salaried class. Homes range in age from ten to 40 years. Very many fine large old mansions with spacious lawns, many trees, and much shrubbery are found in this district. The homes are mostly two and three story houses. Many of these are gradually being converted into duplexes. There are some apartments and because of its accessibility to the business district, this area is in strong demand by good tenants. Many of the fine, old homes will eventually be converted into apartments. A fair amount of rehabilitation is necessary. The wealthier class are moving out of this district, and going into the the south and southwest parts of the city. Values range from $3,500 to $12,000. Valuation shrinkage has been reasonably heavy (50%) due to the high cost of keeping up the large old houses for which there is practically no sale today. About 60% of the homes are owner occupied. This district has seen its best days.

Minneapolis — HOLC area B11 (grade B)
In this small area, developed since the war, on the northwest of Lake Calhoun, the homes are of varied types with a few large houses, some one, one and one-half and two story dwellings, and a few duplexes ranging in cost from $3,000 to $15,000. Some rehabilitation is needed. Eighty percent of the homes are owner-occupied. Mostly business and professional men reside herein. Depreciation was 35% with a recovery of 15%.

Desirability of this small area is largely because of its proximity to Lake Calhoun. Business, professional, and salaried men reside here. The homes are small, single dwellings of one to one and one-half stories and have four, five and six rooms. There are a few apartments ranging in price from $2,500 to $4,500. Undesirable features are undeveloped, filled-in swamp lands and the railway to the north, also Excelsior Boulevard, the northwestern border of this area, which is a heavy-traffic highway at all times, day and night. Age of buildings range from 10 to 35 years. Values dropped 35% with a 10% recovery.

This large area is occupied by professional, business and salaried men. Buildings are of frame, brick and stucco. There are many apartments and duplexes; also many single five, six and seven room homes, one, one and one-half and two stories high. The earliest development of this area was west of Hennepin Avenue to Lake Calhoun. In this part of the area the homes range in age from 10 to 40 years. Considerable rehabilitation is needed. There has been a gradual development of apartments, rooming houses and duplexes. Several attempts have been made to have the lots fronting the east shore of Lake Calhoun zoned for apartments but at the present time it is a restricted district. This area, bounded by Lake Street on the north, 36th on the south and Hennepin on the east, is one of the older districts in the city. Lake Calhoun was the chief reason for its early development. It has seen its best days, however, as the trend is now to the extreme southern and southwestern parts of the city. The valuation shrinkage here has been quite heavy, possibly 40%, with very little recovery. Much rehabilitation is needed in this area. Lake Calhoun is the influence which makes this a desirable residential section and stabilizes it to some extent. East from Hennepin Avenue to Lyndale Avenue and south of Lake Street to East 36th Street the development has practically seen its best days but this section remains stable because of its accessibility to the business section of Lake Street and its close proximity to Lake Harriet and Lake Calhoun. There are many apartments in this section; also, many duplexes. The type of construction is brick, stucco and frame, mostly single dwellings, one, one and one-half and two stories in height. Much rehabilitation is needed in this area. In the balance of the district, east and south, is a newer development of the past 25 years, many homes therein ranging from $4,500 to $10,000. The area has a owner-occupancy of approximately 85%. A slow encroachment of negroes on the extreme easterly limits of this area threatens it, but the efforts of the Nicollet Improvement Association, a voluntary organization of property owners in the district, is affording protection against much encroachment.

This area is a desirable residential section occupied largely by business and professional men. Construction is of frame, brick and stucco houses with stucco predominating. The homes are one, one and one-half and two story structures averaging five, six and seven rooms. The age of the houses range from new to 16 years. A fair amount of rehabilitation is needed in this district, It is a desirable residential district. The area is not fully developed. Depreciation is 35% with a recovery of 15%.

Business, professional and salaried men occupy this district. Dwellings are mostly frame and stucco construction, the majority are single homes of five, six and seven rooms, one, one and one-half and two stories high. There are no apartments in the area. Some rehabilitation is needed. The average age of dwellings is approximately ten years. The homes range in price from $2,500 to $6,000 and the owner occupancy is approximately 90%. This area is only partially developed at this time, but the trend of growth is in this direction and every evidence tends to the conclusion that within a period of a few years it will be a much more popular residential district. Values herein dropped about 30% and have recovered about 20%.

A mixed class of residents live here consisting of business, professional, salaried and laboring people. Homes are of frame, stucco and brick with stucco predominating. There are many duplexes and apartment houses, dwellings ranging in age from three to 45 years. Considerable rehabilitation is needed. Scandinavian people predominate in this area especially east of Chicago Avenue. Values have held up comparatively well here, probably showing a shrinkage of 30% with a 15% recovery. Prices range from $1,500 to $6,500. Single dwellings predominate averaging four, five, six and seven rooms of one and one and one-half and two stories. Many apartment houses are located in the northwest corner of the area, just north of Powderhorn Park. The balance of the district is about 75% owner-occupied.

This small area surrounded entirely by A1 would carry an A rating except that it is the business concentration of that part of Minneapolis. This detracts from the desirability of the area from a residential standpoint. In other respects the security compares with that of A1. Depreciation here has been 30% with a recovery of 15%.

Business men with a sprinkling of professional, trades and laboring people reside in this area. Houses are chiefly of frame and stucco with stucco predominating. Some of the dwellings are single bungalows with three and four rooms, one and one and one-half stories high but the new construction in this area tends toward larger bungalows. There are a few apartments in the area. About 95% of this area has been developed within the past 15 years. Some rehabilitation, particularly painting would help the area. Prices of the houses range from $1,500 to $8,000. The home ownership is about 80%. This section would continue to improve in value due to its close proximity to Lake Nokomis and Hiawatha Lake, also the Boulevard system.

A comparatively new development, most of it built during the past 20 years. Construction is frame, brick and stucco with stucco predominating. Most of the houses are single five and six room houses with one, one and one-half and two stories. There are a few apartments in this area. Considerable rehabilitation is needed. Scandinavians predominate among the trades and laboring class; business and professional people live in the district. The price range is from $1,500 to $6,500. The owner occupancy is about 90%. The depreciation is 35% with a recovery of 15%. This will always be a good residential district for people of moderate means.

The homes in this district are occupied by professional and business men and the salaried class. The construction is mostly of frame and stucco with stucco predominating in one, one and one-half and two story homes. In age they range from five to 20 years. Considerable rehabilitation is needed. No shifting of population is taking place in this district. The homes range in price from $2,500 to $5,000. Scandinavians predominate overwhelmingly in this area. A great percentage of the homes are owner occupied. Rents vary from $25 to $45. Values shrunk about 30% herein and have recovered about one half of the drop.

This area can be compared favorably with B19. Its desirability is that it is near the Mississippi River and the Mississippi Park Driveway. Its ready accessibility to both St. Paul and the business district of Minneapolis makes it a desirable place to live. The depreciation here is 35% with a recovery of 15%.

This area is an old developed section of Minneapolis and for many years there was a great demand for homes here by University professors which demand continues to some degree. The district is approximately 40 years old. There are many old houses in this section, but many new ones have been built during the past 15 years. There is considerable rehabilitation needed. This area is close to the University of Minnesota. It borders on Franklingand University Avenues which are main thoroughfares from Minneapolis or St. Paul. It has every modern convenience and an atmosphere of culture prevails. Price ranges from as low as $2,000 to $7,000. Rents range from $40 to $65. Some rehabilitation is necessary. There are many one, one and one-half and two story bungalows, and six and seven room homes; some apartments and duplexes. The district is occupied mostly by professors and graduates of the University of Minnesota, and others whose income is derived from the University. It is a very desirable place for this class of people. The depreciation here is 25% with a recovery of 10%.

This district is immediately adjacent to the University of Minnesota grounds. Construction is composed of mostly frame, brick, stucco homes, with frame predominating. The class of occupants are professional, business and salaried people. There are some apartments and many rooming houses, also some duplexes. The age of these homes range from 10 to 40 years. Considerable rehabilitation is necessary. The price ranges from $3,000 up to $7,000. Rents are high here, running from about $50 to $80. Due to its proximity to the University of Minnesota, this property is quite desirable for families whose children attend the University. It is quite probable that the University will absorb this land for its own expansion program in the future. The depreciation here is 25% with a recovery of 10%.

This area has a mixed population of business, professional, trades, salaried and laboring people. The houses are mostly of frame and stucco construction with stucco predominating, and are one, one and one-half and two story structures. Some rehabilitation is necessary in this area, the houses ranging in age from five to 25 years. There is no shifting of population. The homes range in prices from $3,000 to $6,000 and rent at from $35 to $50. Approximately 75% of the homes here are owner occupied. Values held up well, the depression shrinkage being about 25% and recovery 12%.

The homes in this area of frame and stucco with stucco predominating. There are several apartments and duplexes. It has a shifting population with Jewish influence increasing. Business and professional men reside in the area. There are many bungalows and homes of one, one and one-half and two stories. Considerable rehabilitation is needed. The age of houses run from five to 20 years, and the price in single houses from $3,500 to $6,000, and duplexes $6,000 to $8,500, with about 70% of homes owner occupied. The depression shrinkage herein was about 35% of which 15% has been retrieved.

This small area is well developed. It faces North Commons Park, one of the larger parks in Minneapolis. Professional and business men reside here. The houses are of stucco, frame and brick many of them two stories high. The price range is from $4,500 to $6,500. Very little rehabilitation is needed, the homes being from ten to twenty years of age and about 100% owner occupied. This district has easy access to the loop and business districts of Minneapolis. Values held up well with probably a 25% depreciation with a good recovery.

This is an area developed within the last 15 years, adjacent to A11 which is known as the "Home Wood" section of the wealthy Jewish people. The majority of the homes are owner occupied and most of the occupants are of the Jewish race. The prices range from $4,000 to $7,000. There are some duplexes in this area. Some rehabilitation is needed. Valuation shrinkage was fully 30% to 40% from 1929 to 1933 (due to the fact that this district was built up during the boom period) with very little recovery. The market is restricted due to the fact that people of one race predominate

This small area is occupied by business, professional, and salaried people, and stucco houses predominate. The houses are mostly one, one and one-half and two story single dwellings. Some rehabilitation is needed. The houses range in age from ten to 25 years and in value from $3,000 to $7,000. There is no shifting of population and fully 85% of the homes are owner occupied. One desirable feature of this district is its easy accessibility to the loop both from the north and south ends and its location near the park system, the elevation being high in places. Rolling high land makes it very desirable to some people. The depreciation is 35% with a recovery of from 10% to 15%.

This small area was formerly a location for small seasonal lake cottages in the earlier days of Minneapolis. During the past 10 to 15 years it has developed into a permanent residential district for persons of moderate means. The houses range in value from $2,000 to $5,500. The age of the buildings run from two to fifteen years and the predominate type is stucco. The occupants are mostly business and salaried men and the homes are practically all owner occupied. A desirable feature of this location is its proximity to Cedar Lake, one of the chain of lakes in the westerly part of Minneapolis. Depreciation is 30% with a recovery of 15%.

Although most of this section is one of the earlier developments of Minneapolis, the homes in most cases are kept in good condition. Many of the occupants are persons of substantial means. This area is adjacent to the high grade Lake of the Isles section. It overlooks in part, Kenwood Park, and is flanked on the North by a large area containing costly and substantial homes. The area is well maintained, has wide streets and well kept boulevards. It is conveniently close to the loop district, which is entered from Hennepin Avenue on the east of Kenwood Parkway on the west. Houses range in value from $5,000 to $12,000. Most of them are single six and seven room structures but many duplexes and a few apartments have been built herein, The original development of Kenwood Parkway was made by people of means and many so-called mansions were built in this locality. Owner occupancy is changing some of it. Although a choice section, the highest point of its development was reached about 15 years ago. Homes rent at from $55 to $85 and duplexes from $60 to $90. The houses are built of brick, stucco and frame. Business and professional people including high salaried men, reside in the area. Depression valuation shrinkage was about 35% and recovery 15%.

Minneapolis — HOLC area C1 (grade C)
This section is located in the northwest corner of Minneapolis. The majority of the population of this section is of the laboring class. The homes are small, cheap, three, four and five room bungalows, mostly frame, from five to 25 years old. Considerable rehabilitation is necessary. These homes range in value from $1,500 to $2,500, the majority being owner-occupied. The depreciation here is 20% with no recovery.

Minneapolis — HOLC area C10 (grade C)
This is an old section. East of Central Avenue, the population is mostly of Scandinavian origin. The majority of homes are owner occupied. West of Central Avenue, there are very many people of Polish origin. The owner occupancy here is around 55%. The type of construction in both sections consist of frame, stucco and brick. There are some apartments in both sections. There are some duplexes in the westerly section and also some rows. The age of dwellings on the easterly side would range from five to 40 years, and on the westerly side, 15 to 50 years. Considerable rehabilitation is necessary. Prices range from $1000 to $5000. On the east side homes rent from $15 to $30 and on the west from $20 to $40. The depreciation here is 35% with a recovery of 17%.

Minneapolis — HOLC area C11 (grade C)
This is an old section of northeast Minneapolis, the occupants 40 years ago were mostly Germans, French and Irish; today there is a shifting population of Russians, Polish, Syrians and Slavs replacing the old settlers, although some of the original settlers and their families are still residing here, particularly between 8th Avenue North and West Broadway boarded by Main Street and Sixth Street N.E. Dwellings are frame, stucco and some brick. Many homes have been stuccoed over the frame. Homes vary from the bungalows, one, one and one-half stories and the two story type built in the early days of the development. There are also some four flats and duplexes. Much rehabilitation is necessary. Shrinkage from 1929 to 1933 has been about 25% with very little or no recovery probable. Prices range from $500 up to $4500. The owner occupancy is about 80%.

On the northwest corner of this area there is very little development. The houses are small bungalows, mostly frame construction, occupied by laborers; some of the streets are mere paths; houses range in price from $1500 to $2000. This district lacks sidewalks, pavements, and average facilities. This was intended to be a development of cheaper priced homes and then gravel deposits were found in the immediate vicinity and because of the large open gravel pits to the west of this area, future residential development seems improbable. The area south of East Hennepin to consists of frame and stucco dwellings. These houses range in age from seven to 40 years; they are one, one and one half and two stories high; there are some apartments and duplexes; considerable rehabilitation is necessary; railroad tracks practically bisect the area; the population consists of tradesmen, salaried people and laboring class. The southwestern corner of the area C12 is known as the "Old University District". Most of this district contains large dwellings which in former days were the homes of wealthy families of University professors, professional men and fraternity and sorority houses. Today many of these larger buildings are boarding houses, mostly for University students or are housing large families of small means. There are still many fraternity and sorority houses here, most of them, however, are located in that portion between Fifth Street and University Avenue. Very little new housing has been constructed in this area during the past ten or 15 years. It has seen its best days although it is well located for residential purposes, being close to the University of Minnesota, has fine wide streets and tall wide spreading trees adorn the boulevards. Near the railroad tracks a settlement of Italian poorer class is developing. Many laboring people and salaried people have moved into this area. The depreciation here is 40% with a recovery of 10%. Prices range from $1000 to $7500, apartments here rent for $20 to $60. Duplexes rent from $20 to $50 per unit.

That part of this area which faces on University Avenue and also on 4th street is not desirable for residential purposes. Facing on University Avenue are several fraternity houses. Construction is of stone and stucco; age is five to fifteen years; the buildings range in value from $15,000 to $30,000. Little rehabilitation is necessary but because of their use are classified as not desirable from a mortgage standpoint. Houses facing on 4th Street southeast are old and need rehabilitation. The area immediately south of the University grounds is an old established residential district which is gradually becoming an undesirable field for mortgage loaning because of the development of industries on the east, business on the north and the encroachment of the University southwest between this area and the river. Homes range in price from $2000 to $4000 and in age from 20 years to 50 years; considerable rehabilitation is necessary; the majority of dwellings are of two and two and one half story. This area is developing slowly into a rooming house district, its chief desirability its proximity to the University. The depreciation here is 45% with a recovery of 5%.

This small area on the easterly border is composed of single dwellings, frame and stucco construction; small salaried and laboring people live here, its desirability is that it is near an industrial section of St. Paul which is immediately adjacent to the east. Its undesirability is that the dwellings face this industrial area. There are also many two story dwellings in this area. Prices range from $2200 to $3500 and their age s range from 12 to 25 years. Some rehabilitation is necessary. The depreciation is 35% with a recovery of 12.5%.

This area, particularly that part lying north of Franklin Avenue and immediately south of it, is a very old development. This part has a heavy population of Scandinavian people. They are mostly of the small salaried or laboring class. Houses are one, one and one half and two stories high, ranging in value from $1000 to $4500. This district never was pretentious, but as it was, it has seen its best days. The lower portions of this C15 area are somewhat newer in development but industrial and commercial expansion, especially sporadic commercial intrusion on Minnehaha Avenue south of Lake Street has greatly lessened the area's residential desirability. There are some duplexes and apartments, but a heavy percentage of homes are owner-occupied. Depreciation probably reached 30% with very little chance for recovery. Minnehaha Avenue is an arterial from Minneapolis to St. Paul through Fort Snelling Military Reservation and in consequence, the avenue is subject to extremely heavy traffic which lessens the area's residential desirability. On Snelling Avenue, which is one block west of Minnehaha Avenue, between Lake Street and East 36th Street, there are several colored families.

That part of this area north of Lake Street is an old section of Minneapolis. The type of population are mostly wage earners, small salaried en and tradesmen. At one time, this section, particularly between Hiawatha on the east and 16th Avenue on the west between Franklin Avenue and 24th Street the population was mostly Scandinavian. From 16th Avenue westerly to Elliot Avenue and thence southerly to Lake Street there were many Irish and German families years ago. At the present time, particularly that area from Franklin south to 24th between Hiawatha and 11th Avenue there are many Jewish families residing. Much rehabilitation is required. This area is in a run-down condition, except between about 22nd street and 28th street west from Elliot to Portland. Between 28th street and Lake street commercial development has grown, particularly along the Milwaukee railroad on Eighth street, which area is zoned for business. Values range in price- between Hiawatha and 11th the price range would be about $1500 to $4500. There are some rows, particularly in what is now known as the Jewish section; also some apartments and duplexes. West of Elliot there are more duplexes and apartments. On Franklin Avenue there is a business district so that residential use if becoming less. In the entire area the age would be from 10 to 50 years. The Chicago Milwaukee Railroad and shops on the southeast and Laymans Cemetery are detracting factors in this area. There is a mixture of Scandinavians, Germans, Irish and Jews residing here. Immediately south of Lake Street area is less desirable because of commercial development on Lake Street. The lower part of C16 area is close to the railroad tracks and industry. The depreciation here is 40% with a recovery of 10%.

This area in the extreme southeastern part of the city near the Minneapolis airport is composed of small bungalows, many of them having emerged from enlarged garages. Frame and stucco predominate and values range from $1500 to $2500. Considerable rehabilitation is necessary. A laboring class lives here. This area formerly was outside the city limits of Minneapolis at which time a shack development took place in this area. This district should improve. It is near the Veterans hospital which makes rental values high, close to the Fort Snelling Military Reserve, close to Minnehaha Falls, the Minnesota Soldiers' Home and Lake Nakomis which has an extremely favorable prominent park development. Rents here are comparatively well maintained for the class of neighborhood. The age ranges from 10 to 20 years. Come streets as yet do not have curb, gutter or sewers. The depreciation here is 35% with a recovery of 10%.

Small area between Xerxes Avenue and west city limits. Street car runs here, stores are interspersed, and although it is not fully developed its future offers little desirability for residential purposes. A small community development lies just westerly of the city limits at this point, and much commercial development has been completed- the future probability for further development will be commercial on West 44th street, which will reflect itself over the immediate surrounding area. The depreciation is 40% with a recovery of 10%.

Minneapolis — HOLC area C18a (grade C)
This area leads to Lakewood cemetery, one of the largest cemeteries in Minneapolis. There are very many funerals passing daily, making residential use of property quite depressive. Monument workers are located in block immediately north of cemetery on Dupont Avenue, also a very old fire barn and a greenhouse. Dwellings range in age from 10 to 40 years. Many duplexes, others mostly frame, two story dwellings in need of much rehabilitation. Values range from $2000 to $9500.

This is a small area , poor for residential purposes, oil stations and other business is encroaching. No further residential growth is probable. Dwellings are one, one and one half and two stories in height ranging in age from 15 to 30 years. Mostly frame and stucco predominate.

This section is southeast of Crystal Lake Cemetery. The houses are chiefly one and one and one-half story bungalows of frame and stucco. Most of them are owner-occupied. Because of the proximity of this area to the cemetery, two blocks of which are facing it, it is not a particularly desirable location for residential purposes. These homes range in age from five to 20 years and considerable rehabilitation is necessary. Values range from $1,500 to $5,000. The depreciation here is 25% with a recovery of 5%.

This is a substantial area of homes, occupied by professional men, business men, salaried men and laborers. It is an attractive place in which to live because of its many wide streets, old stately trees on many of its boulevards, its many parks, churches and schools and paved streets. It has quick and easy accessibility to the business sections of North Minneapolis and the loop district downtown. The fact that approximately 75% of the houses are from 30 to 40 years old and showing much obsolescence makes this a declining area although still a desirable residential section with many prominent people and families living therein. Valuation shrinkage was approximately 30% with little or no recovery. Houses are valued at from $500 to $5,500 and rents run from $20 to $45. Owner occupancy is approximately 70%. This district has seen its best days. The area east and south of North Commons is an old established section and the houses range in age from 15 years up to 45 years. This portion of C3 is mostly owner-occupied and has been stable at all times. Within that area is the North High School, the only High School in the north side and many parochial schools and churches of all denominations. The entire area has every modern convenience. The majority of the people in this district have maintained their homes in good condition up to and within the past four or five years. Scandinavians, Germans, French and Irish predominate.

This section lies south of Plymouth Avenue. Many Jews live in this area; from Glenwood Avenue south there is a large colony of thrifty Finish people. The homes are of stucco and frame and are of one and one and one-half stories. There are some duplexes and apartments. The depreciation here is 40% with a recovery of 12.5%. The apartments are mostly of brick construction. Much rehabilitation is needed in this area. The houses range in age from ten years to 40 years. In good times there is usually a shift in population among the Jewish people, the ambitious and successful among them gravitating toward the exclusive Jewish District in A11 to the northwest. Colored people often move in to take their places. At the present time this shifting of negroes westerly results from the lack of housing facilities caused by the tearing down of the area where the slum clearance project known as the Summer Field Development in D3 is taking place. Prices range from $1000 to $6000 in C4. The homes are about 50% owner occupied. Duplexes rent here fro about $25 to $35 per unit; homes and bungalows rent from $10 to $45 a month.

This small area lies near the Bryn Mawr low lands and is not particularly desirable for housing purposes, although CCC workers are draining this marshland and there may be an upward trend in value when this work has been completed. Frame and stucco houses predominate. They are mostly of the four, five and six room bungalow type. They range in age from ten to 30 years. Considerable rehabilitation is needed. One bad feature of the land in this district is that pest and quick sand underlie the top soil which often causes the sidewalks and fountains to sag. This area is occupied by salaried and laboring class of people. The depreciation is 35% with a recovery of 12.5%.

This is an old section of the city in which many homes were built 30 and 40 years ago. They are the large type home of two and two and one-half stories. At the present time this section is developing into a rooming house section; there are many apartments and duplexes herein. The district has seen its best days. The possibility of its future use in the growth of Minneapolis would be for apartments. Considerable rehabilitation is needed. Values run from $3000 to $4500 and rents from $45 to $60 a month. The approximate owner occupancy here would be from 60 to 65%. Salaried people, small business men, laboring men constitute the majority of the population. Frame and stucco construction predominate in the district. There are commercial encroachments in many parts of this area. The depreciation is 40% with a recovery of 10%.

This small area northwest of Lake Calhoun and south of Cedar Lake is undesirable because of the railroad traversing its entire length and also because of its blind streets. Development for higher use of this section is very doubtful. Residents are mostly low salaried people. Homes are three, four and five rooms. Much rehabilitation is needed. The majority of the homes are owner-occupied. The depreciation is 40% with a recovery of 5%.

Although the dwellings in this area might properly be regarded on the same basis as those in B13 and B16, yet the the influence of D6 is reflected to a great extent on the area and there is a possible threat of the expansion of the derogatory features of D6 into the area. The depreciation is 40% with a recovery of 10%.

This section is partly on Central Avenue Northeast, an arterial from the loop in Minneapolis to the suburban city of Columbia Heights, Anoka County, just outside the northeastern city limits of Minneapolis. It is not a very intensive development. There are scattered houses, many of them 40 to 50 years old. Prices range from $1000 to $2500. The balance of the area because of the contour of the ground does not readily lend itself to residential development. Many of the houses are high above the streets and what vacant lots remain are so heavily taxed for misplaced improvements, that present further developments are remote. The depreciation here is 40% with a recovery of 10%.

Minneapolis — HOLC area D1 (grade D)
This section is located northwest of the railroad tracks which cut off the northern part of the city. It is occupied by laboring and low salaried men and Scandinavians predominate; the homes range in value from $200 to $3500; much rehabilitation is necessary; the age ranges from five to 50 years; rents range from $10 to $35. A very undesirable feature is the railway which separates the district from the rest of the city. Parts of this area have no sidewalks. Development of area is very spotted. There are many shacks on the rear of lots; to the north near 53rd and Humboldt are negroes. It is a hazardous district for loaning purposes.

Minneapolis — HOLC area D10 (grade D)
This is an old section developed 40 years ago near the University of Minnesota. There are stores, industrial plants, railroads, a fire barn, single dwellings, duplexes, rows and apartments here. The buildings range in age from 25 to 50 years, much rehabilitation is required; frame predominates and the laboring class reside here. Many dwellings are used as rooming houses. The railroad to the north and east is a detrimental factor.

Minneapolis — HOLC area D11 (grade D)
This area is heavily industrialized. The dwellings are most one and one half and two stories high, although in the north end there is a fair sprinkling of bungalows. The age of buildings is from 15 years to 50 years. Many buildings have been kept in fairly good repair; many have been modernized since they were originally constructed years ago, but residential use in this area is very decidedly on the downgrade. Original population of French, Germans and Irish are gradually being supplanted by Poles, Russians, Syrians and Slavs. Nicollet Island, on the lower end of this section is heavily industrialized, especially south of Hennepin Avenue, practically only remaining residence of any values is the home of the pastor of the French Catholic Church, which church was built here many years ago and is still being used by a French Community for worship. The north end of the Island on Hennepin Avenue contains stores and hotels. North of this, covering two square blocks is the school and home of the Christian Brothers, a religious group. There are rows of tenements and some large old houses on this part of the Island- a railroad transects it and industrial plants adjoin the railroad. Occupants of dwellings are laborers.

This is one of the older areas of the northeast section of Minneapolis which was developed about fifty years ago by the Irish, Germans and Scandinavian people. At the present time this area is occupied mostly by Syrians, Italians and southern Europeans, a constantly shifting population. The price range is from $500 to $3500 and much rehabilitation is requierd. People are mostly small salaried and laboring class. There has been very little construction for years.

This is a partially undeveloped area lying near gravel pits. It is chiefly occupied by the laboring class. Future development for residential purposes is very uncertain because of present use of surrounding lans for cemetery purposes. The values range from $1000 to $2500 and are from 15 to 25 years of age.

This is an area in Northeast Minneapolis that was developed about 40 to 50 years ago. Houses are very much in need of rehabilitation, no new construction for many years. The St. Anthony cemetery and the Soo Line shops detract from residence desirability. Occupants are of the laboring class. Values are difficult to determine because of age and disrepair.

This area was once an acceptable residential section except on Washington Avenue, which has been more or less a commercial and industrial avenue since the development of North Minneapolis. At the present time the residential section is very undesirable. The dwellings are mostly very old, badly in need of rehabilitation and occupancy is mostly laboring people of small means. Plymouth Avenue is a commercial area, buildings are old and many are badly in need of repair.

This was formerly an old residential part of Minneapolis. It is about 40 years old; there were many fine homes in this area occupied by Germans, Irish, French and Scandinavian families. Today the buildings are badly in need of rehabilitation. On the west between Lyndale and Humboldt Avenues from Plymouth to the southern boundary of this area, most of the population today is of the poorer class of Jew and colored people. Various industries have sprung up in this neighborhood and particularly on the easterly half of this area adjacent to the business district there are some duplexes and apartment houses of the older class in poor physical condition. Most of the buildings range from 15 to 50 years; it is very difficult to place the valuation; and it is a most undesirable location for residential purposes.

This section at one time was a very choice residential section in Minneapolis, occupied by Yankees and followed by an Irish population. It was well located, overlooking the city of Minneapolis, and many mansions were built in the earlier days about 50 years ago. At the present time, no new residential development is taking place; there is a gradual replacement being made of these old decaying mansions by commercial development. There are many rows of apartments in this area which range in age from 40 to 60 years of age. Shrinkage has been very heavy. There are railroads to the west and business and industrial area enclose this area.

This area was at one time occupied by many Germans, Irish and Scandinavian families of the so called middle class, many of them were laborers and wage earners and small business men. For the past 20 years there has been no new development. Hospitals, parks and apartments have invaded it and also the Municipal Auditorium is elevated here. At the present time, many Jews and Scandinavians and negroes reside in the easterly half of this area. The westerly half has many of the shifting populations occupying the cheap apartments and rows. Down in the southeast corner of the area near the Adams school there is a considerably large negro settlement. The whole area is close to the business center of the city, it contains many rooming houses occupied by salaried employees and laboring people because of the nearness to the business district. The age is 20 to 50 years.

This area running north and south along 4th Avenue South was once a very substantial and desirable area for homes about 40 years ago. A gradual infiltration of negroes and Asiatics has occurred on 4th Avenue South, beginning at approximately Franklin Avenue moving south to approximately 38th street. During the past 20 years business has encroached in the area between Franklin and 24th. Many of the business places are made over dwellings. Very much rehabilitation is necessary. The street car line extends out to the 48th street and although the colored people have not moved much beyond 38th street, development of 4th avenue, south o f 38th street, have been very slow because of the continued colored trend southerly and the fact that the street car runs into the loop in Minneapolis through the heavily populated colored section. Fifth Avenue on the east and Clinton on the west of 4th avenue are affected by a large colored population on the avenue. Because of the influence of the class of people on 4th Avenue extending over and into C-8, its desirability for residential purposes is seriously affected.

The type of construction in this aea is mostly frame and brick dwellings, which were built about 40 years ago; much rehabilitation is necessary; the range in price is from $500 to $3500. The decline in this neighborhood has been heavy during the past 15 years. This area is developing into a commercial district because of its proximity to the Milwaukee railroad trackage. It is inhabited chiefly by wage earners. Residential trend is extremely downward.

This is a commercial area lying between Lake Street and East 41st Street having Milwaukee Railway trackage. Many grain elevators are located in this area. Some dwellings are located near the right-of-way. They are small cheap structures-mostly in need of rehabilitation.

This is an old section changing from residential into industrial. Houses range in age from 20 to 50 years; much rehabilitation is necessary. Frame construction predominates; one, one and one half and two story homes occupied by laboring class are located here. Due to its proximity to railroad and railroad yards and heavy industrial area it is rapidly declining.

Minneapolis — HOLC area Business and Industrial

Rochester — HOLC area A (grade A)

Rochester — HOLC area B (grade B)

Rochester — HOLC area C (grade C)

Rochester — HOLC area D (grade D)

Rochester — HOLC area Industrial or Commercial

Staples — HOLC area Outlying - Undeveloped

Staples — HOLC area Poor

Staples — HOLC area Fair - Declining

Staples — HOLC area Best

Staples — HOLC area Good

St. Cloud — HOLC area Best District (grade A)

St. Cloud — HOLC area Poor District (grade D)

St. Cloud — HOLC area Good District (grade B)

St. Cloud — HOLC area Fair District (grade C)

St. Cloud — HOLC area Outlying - Sparcely Settled

St. Paul — HOLC area A1 (grade A)
This area is composed of single one and one and a half story homes of brick, frame and stucco with stucco predominating. The majority of occupants are American born inhabitants, mostly merchants and professional men. The age of these homes ranges from five to ten years and values range from $4500 to $7500. Depreciation from 1929 to 1933 was about 40% with a recovery from 20% to 25%. Homes rent in this vicinity at approximately $40 - $50 per month. To the west is the State Fair Grounds and Agricultural College of the University of Minnesota. The district is a desirable one. A district immediately north is now developing outside the city limits and is now being put into shape for sewerage and water. Home Ownership is 85%. Houses are in good condition.

St. Paul — HOLC area A2 (grade A)
In general , this district is the best residential one in the city of St. Paul. Homes here range in price from $4,250 to $50,000, the larger and better homes being on and adjacent to the Mississippi River Boulevard s St. Clair Street to Randolph Street. The age of homes in this district range from ten to 20 years, the newer development taking place south of St. Clair Street. Business and professional men comprise the vast majority of inhabitants. Seventy five percent of the homes are owner occupied. Stucco predominates with one and two story houses, although there is a great deal of brick being used in the newer construction during the past ten years. Rents range from $40 to $100 per month. The district in general has fir class houses which are very well kept up and very little reconditioning is necessary. Depreciation in the larger and more expensive homes, from 1929 to 1933 has been 35% to 50% with recovery of not more than 10%. In the smaller type of home the depreciation has been between 30% and 35% with a recovery of between 15% and 20%. To the extreme southeast on Syndicate, Hillerest, Bohland and the Ford Road, "New Homes, Inc." have built 24 houses during the past year, prices ranging from $12,500 to $22,000.

St. Paul — HOLC area A3 (grade A)
This area is principally occupied by professional men. The average age of homes is 25 years. This is one of the older sections of the city. Stucco, brick and frame construction with frame predominating; homes here are well maintained and range in price from $5000 to $15,000. There are some multiple dwellings and some apartments. Depreciation here has been quite heavy, approximately 50% with little or no recovery due to the type of home. These houses are two and two and a half story, old type which are very difficult to sell on the market today. They are occupied by the old, wealthy St. Paul families, home ownership being about 80%.

The inhabitants of this area are salaried, business and professional men. Homes range in price from $4000 to $10,000. Stucco predominates with some brick and frame construction. Renting from $40 to $60 at present, these homes depreciated 35% to 40% with a recovery of 15% to 20%. This district has a rather poor approach on account of having to pass through the industrial district both to the southeast and the west. Homes range in age from 15 to 20 years. Considerable reconditioning is required in the older houses in this neighborhood. Home Ownership is 60%. The favorable features are Lake Como and Como Park to the west.

This area is the best residential district on the east side of St. Paul. Business and professional men of Scandinavian descent live here. The owner occupancy is 80%. The price range is from $4000 to $15,000 and the age ranges from one to 15 years. Some new construction is under way in this district at the present time. Rentals range from $35 to $60. An undesirable feature of the property is that the south and west are on the down grade although it is still desirable. There is a fair demand for property in this area and depreciation has not been as excessive as in other A grades and has been approximately 30% to 35% with recovery of 15% to 20%. The favorable features are Phalen Park and Golf Links to the east as well as Lake Phalen.

This is a small desirable residential district on the west side of St. Paul situated on a high bluff adjacent to Cherokee Heights Park. It is occupied largely by professional men and salaried and business men. The predominating homes are one and two story stucco and brick. Some homes here are 40 years of age and are of frame construction. The prices range from $4000 to $8500 in this area. Considerable reconditioning is necessary. Depreciation is 40% and recovery 10%, It is 80% owner occupied. Rentals range from $35 to $60, $35 in the older homes and $60 in the newer homes. Some of the new homes here have been built within the past seven or eight years. The favorable aspects are that this bluff overlooks the Mississippi River and the Minnesota River Valley and is adjacent to the downtown district and has quick transportation.

St. Paul — HOLC area B1 (grade B)
This substantial district is occupied by business, professional and University professors and employees of the University of Minnesota. Prices here range from $3500 to $8000 and rants are from $35 to $60. Some apartments and duplexes are in this area which rant probably 5% to 10% lower than homes. Buildings in this district range from five to 40 years in age. Two story frame construction predominates With some brick and stucco. Property values here have declined approximately 35% and the recovery has been about 15%. The owner occupancy is from 75% to 80%, Its favorable features are its adjacency to the Agricultural College on the east and University of Minnesota, Midway Industrial District and the City of Minneapolis on the west. This is known as a high type neighborhood for the intellectual class who desire their income from the University of Minnesota and the Agricultural College.

St. Paul — HOLC area B10 (grade B)
This district is known as the Riverview and Cherokee Sights District. German people are in the majority here. The type of construction are one and a half and two story houses. Much reconditioning is necessary. The owner occupancy is 55%, Rentals comparatively low running from $20 to $45. The price range is from $2000 to $5500. Houses range from one to 35 years old. Depreciation is 40% to 60% with a recovery of 15% to 20%. The detrimental influences are the odors from the Stock Yards in South St. Paul, when the wind is in the right direction. It is close to the rapidly declining old district to the southeast. The district to the immediate south known as West St. Paul, outside the City limits of St. Paul is approximately the same in general description with the exception of the area from Smith Avenue West which is of more recent development and the extreme south part of this district is sparsely settled. The district to the south and west has a promising future due to the people from St. Paul desiring to own property here rather than to pay high taxes in St. Paul.

St. Paul — HOLC area B11 (grade B)
This district is known as South St. Paul, a separate incorporation. Homes here range in age from one year to 35 years; prices range from $1000 to $4500, rentals are $5.00 per month to $37.50. A great deal of reconditioning is necessary. Inhabitants comprising this District are a mixture of southern Europeans who work in the adjacent South St. Paul Stock Yards. While this district, under ordinary circumstance, might be considered an undesirable district due to the odors from the Stock Yards, it is a desirable neighborhood for those who are employed in the Stook Yards due to the accessibility to this important industry. Depreciation has been quite heavy, probably 60%, but recovery has been fair, approximately 25%. One and one half story frame houses predominate of no special architectural design. There are one or two sections which are outstanding as to favorable condition and type of construction but they are in the minority and are located on the type of a bluff near the High School.

This district immediately north of the Ford Motor Company has streets fully improved but very sparsely settled and many vacant lots. Houses range in price from $2500 to $4500 and all have been built within the last ten years. One story stucco bungalows predominate. The laboring class and small salaried people live here. At the west end of this district there are several large brick apartment buildings. Home ownership not over 25%. Depreciation from 40% to 50% with a 10% recovery.

This district consists of moderate priced frame houses, some stucco, located adjacent to the State Fair Grounds northwest of the City with a price range of $8500 to $7000 and renting from $30 to $60 per month. Business men and salaried men, contractors and craftsmen comprise the majority of inhabitants. The owner occupancy is 80%, the depreciation 40% with a recovery of 15%. Reconditioning is necessary to a considerable extent. The oldest part of this district is in the extreme south and south of Como Avenue, the newer part is in the north. Its favorable features are Como Park to the east and the Golf Course to the northeast.

This district is known as the Hamlins District with age ranging from one to 40 years, the majority of homes being built within the last 20 years. The inhabitants of this district are business, professional, salaried and laboring people. Sixty percent are owner occupied. Considerable reconditioning is necessary. Rentals are from $30 to $50. The depreciation is 40# with a recovery of 15% to 20%. In the blocks both west and east of Snelling on Hewitt, Wesley and Minnehaha are the older homes in the district. The railway shops of the Northern Pacific and the coke plant are adjacent to the northeast corner of this area, this being an undesirable feature of this particular district. The desirable features are its excellent transportation facilities and its convenience to many of the industrial plants of the city. The price ranges from $2500 to $6000.

This district is known as the Merriam Park District with houses ranging from 15 years to 50 years in age. This is one of the oldest settled districts in the city and is comprised of many two story frame houses and sons apartments and duplexes. Considerable reconditioning is necessary. Inhabitants are mostly salaried and professional people. Mostly Roman Catholic families comprise this district. Sixty percent of the homes are owner occupied. Prices range from $3500 to $6500 with the average rental being $37.50 to $50 and apartments renting from $26 to $50 and duplexes from $35 to $45. The depreciation is very heavy, approximately 50% with 12% to 15% recovery. There is excellent transportation facilities to down town St. Paul and Minneapolis to the west and the Midway Industrial section to the North. The Catholic School of St. Marks and St. Thomas College and St. Catherine's College to the south are favorable features.

The class of inhabitants in this district are business, professional and laboring people with laboring and smaller salaried class predominating. Prices range from $2500 to $5000. Frame houses predominate. The age of these houses in the district as a whole range from 10 to 35 years with the older class being located on Grand and Lincoln Avenues to the north. The center section is comprised of bungalows of one story houses built during the past 20 years. Rentals range from $25 to $45. 55% of the homes are owner occupied. Considerable reconditioning is necessary. In the very southerly part of this section, there are many temporary houses remaining. The favorable features are good transportation facilities, Cretin High School, a Roman Catholic institution, together with Highland Park Golf Links and Park to the south. The depreciation in this district is 40% with a recovery of from 15% to 20%.

This district is the better part of what is known as the Hill District. The houses range in age from 20 to 50 years. Prices range from $3000 to $6500. A considerable number of apartments and duplexes are located here, especially along Grand Avenue. One half of the streets in this section have "B" classification under City ordinances, i.e. - Duplexes are permitted on 40' lots, area 5,000 square feet - no apartments except those already in. Considerable reconditioning is necessary. Inhabitants are business and professional men with considerable infiltration of Jewish people north of Summit Avenue. The home ownership here is not more than 40% to 50%. Rentals run from $30 to $60 on homes; duplexes from $25 to $45 and apart meats from $26 to $50. Two story frame homes predominate. Apartment houses are mostly brick with from four to 15 and 20 units each. Property values declined about 50# with recovery not to exceed 10% to 15%. Summit avenue which traverses this section east and west has a better type of development, comprised in the main of large old homes of stucco, brick and stone, 2 and two and a half story houses built from 20 to 50 years ago. Depreciation is very heavy and there is a slow market for this type of property today.

This district it known at the West Seventh Street District. Price of homes range from $1800 to $4000. Considerable rehabilitation is necessary. There is mostly a laboring class residing here and it is known at the Bohemian District. There it a very strong home ownership. Rents range from $15 to $30. Depreciation it from 40% to 50%, Due to the class of inhabitants, these people take great pride in retaining their homes and are not mortgage inclined. Depreciation has not been excessive due to the thrifty class of ownership and the recovery from 1933 to 1935 has been steady and would approximate 15%. This it a very old district and much depreciation took place from 1923 to 1929. The favorable aspect it transportation accessibility to the industrial district and down town section.

This it a moderate priced residence district of the east side. Houses range in price from $2000 to $4500. Considerable reconditioning is advisable. Most Scandinavians live here. The homes are 60% owner occupied. Rentals run from $10 to $30. Property values have declined approximately 40% and recovery has been slight. The favorable features are the accessibility to industrial plants on the east side and the downtown section. Most of the homes are one and one and a half story, stucco and frame.

This is Hasel Park District consisting of small inexpensive homes ranging in price from $1000 to $4000. Rentals range from $10 to $30. Mostly laboring people inhabit this district and the homes are 50% owner occupied. The type of construction are bungalows, frame, inexpensive and not modern. Considerable reconditioning is necessary. The depreciation is 50% with a recovery of 15%.

St. Paul — HOLC area C1 (grade C)
The area north of D-1 is known as St. Anthony Park, South and the area north of B-3 is known as part of the Hamline District and C-1 northwest of B-3 is known as the Transfer District. Salaried people and laborers live throughout the areas. The age range is from 25 to 60 years; the price range is from $2500 to $5500. Frame construction predominates. Considerable rehabilitation is necessary. Fifty five percent of the homes are owner occupied. Rentals are from $15 to $35. Depreciation is 50% with a recovery of 10% The detrimental feature of this district is that it is an old deteriorating district and the desirable feature is its accessibility to Industrial plants.

St. Paul — HOLC area C2 (grade C)
This area is known as the Midway District; a very old part of St. Paul ranging in age from 25 to 50 years. Rehabilitation and wrecking ie necessary. Prices range from $2700 to $4500. The laboring class predominate here. The homes are one and a half and two story of frame and stucco, with frame predominating. The owner occupancy is about 45%. Rentals range from $20 to $40. The depreciation is 60% with a recovery very low, not to exceed 10%.

St. Paul — HOLC area C3 (grade C)
The area to the east of Western Avenue is known as the Rice Street District and also "Frog-town District". Northwest of C-3 is part of Como District and south part of C-3 has a strong preponderance of German people. The age of the houses range from 20 to 55 years. This is one of the older parts of the city. Much rehabilitation is necessary . The laboring class almost entirely comprise this district. Prices range from $1500 to $3500. The home ownership is 50% Rentals are from $10 to $35. One and one half and two story frame homes predominate. A considerable number of old homes have been made into duplexes and the cheaper type apartments. This district will always have a place in St. Paul for the lower bracket laboring and salaried class. There is a negro encroachment along Farrington Avenue from Topping to Geranium, Western Avenue end Hazard and Arundel on Charles and Sherburne from Western to Avon.

The older East side District. The age range is from 10 to 35 years with the newer development being in the northern part. Prices range from $2000 to $5500. Considerable rehabilitation is necessary. The laboring class of Scandinavians predominate. The homes are one and a half and two story frame. The Ownership is approximately 60%. The people of this district are known to be thrifty and desire to be home owners. Rentals run from $10 to $40. The depreciation is from 40% to 50% with a very slight recovery, The area to the northwest is very sparsely built with mostly garden truck fanning being carried on here.

This is known as Dayton's Bluff District. The age ranges from 5 to 60 years, the newer development being to the extreme east. Prices range from $1000 to $5500. Much reconditioning is necessary. Working people largely predominate and the lower salaried employees. The home ownership is 40%. One and one half story frame homes are here with a newer bungalow development to the east. From the standpoint of convenience to down town business and industrial district is desirable. This district has seen its best days. The depreciation is from 50% to 60% with a recovery of 15%. Rents range from $17 to $40 and it is a good renting district with very few vacancies.

This district is known as the Old Hill District, its age from 20 to 60 years. Prices range from $2500 to $5000. Much reconditioning is necessary. Clerks, salaried employees, business and professional men live here. The home ownership is about 40% Rents are from $20 to $50 for houses and $15 to $40 for apartments and duplexes. Depreciation in this area is quite heavy, approximately 60% to 70% in the older homes and in the newer district to the extreme west. 15% to 20%. There are many duplexes, rooming houses and apartments in this district and also many fine old type two and two and a half story homes that have seen their beet days. Buildings of stone and brick construction are located here but frame predominates throughout the district. There is a strong infiltration of Jewish people and to the north in D-4 is the large negroe district of St. Paul. The late Jim Hill, the builder of the Great northern Railroad, lived on Summit Avenue near the intersection of Selby Avenue and Louis Hill, Chairman of the Board of the Great Northern Railway Col. lives immediately adjacent to the east. As an example of what happens to these fine old homes, the late Jim Hill's home is now a residence for priests of the Roman Catholic Church and forms part of a group of fine buildings including the Cathedral which constitute the Roman Catholic Diocese.

This district is along the edge of the bluff just south of the Ridgewood Park District. Prices range from $1500 to $3500 and the age of homes range from 5 to 25 years. Considerable reconditioning is necessary. Mostly laboring and salaried employees live here. The home ownership is about 50%. Rentals run from $15.00 to $30.00. The type of construction is one story bungalows. Depreciation is from 40% to 40% with a 20% recovery. In this particular section, there is considerable vacant property which, due to its high hills and sandy soil is not adapted to development. There is also considerable peat land.

This is the lower West side District. The age ranges from 10 to 45 years There are primarily one and a half and two story frame houses and some remodeled frame duplexes. Prices range from §1200 to $5700 and rent from $10 to $35 per month. Considerable rehabilitation is necessary. The home ownership is 45%. Salaried employees, laborers and Jewish and other merchants live here. Property values from 1929 to 1933 depreciated 50% with little or no recovery. From the laboring standpoint it is favorable due to accessibility to industrial district immediately adjacent and to the down town district.

St. Paul — HOLC area D1 (grade D)
This District has reached its day of obsolescence and is one of the oldest districts in the St. Anthony Park section of St. Paul. Most of the buildings are 50 years old and in a sad state of repair and practically worthless except to those who are unable to better themselves by living elsewhere. Practically no market to set a value of price range. Railroad employees of the lower salaried class live here. People who have lost interest in life live here, the owner occupancy being about 20%. Frame shacks predominate and the rentals are whatever can be obtained from $5.00 up.

St. Paul — HOLC area D10 (grade D)
This is known as Highwood District, a suburb down along the river given over to truck gardening. The average is worth $150 to $300.
The inhabitants are clerks, salaried people and truck gardeners. Rentals are from $12 to $20. There is a very poor market for acreage values depending on size of ground, from $2000 to $5000. Home ownership is about 60%. Depreciation is 50% with very little recovery.
NOTE: The major trend of growth is to the southwest but north and west of Lexington Avenue, there is a suburban trend outside the city limits. There is also a tendency toward development southwest of A-6 outside the city limits and a suburban development northeast of B-9 outside the city limits.

St. Paul — HOLC area D2 (grade D)
This is a sparsely settled area along the Northern Pacific Railway tracks and bluff. Laboring class and truck gardeners predominate. Prices from $500 to $2000. There are no improvements in this district. Adjacent to Dale and west to St. Albans is a new development, considerably better and here frame construction predominates. Prices range from $1200 to $2500 in this part of the area and rentals are from $10 to $25. This development has taken place within the last 20 years. The depreciation is from 50% to 55% with 20% recovery. Average values are approximately $300. The unfavorable feature is that a large portion of this area is a hill which sheers off to a deep drop to the south.

This is a rapidly declining district which has seen its best days. The age range of this entire district is from 30 years to 70 years. This is where the old Red River Valley Trail ran through in the early days and where the City spread from. One and one half and two story frame houses predominate, many of which have been converted into multiple dwellings and rooming houses. Much reconditioning is necessary but not advisable. Considerable razing is done constantly due to the age and necessity of getting over the handicap of high taxes and excessive upkeep. Italians , colored people, Jews of the lower strata and other people of foreign descent of the lower classes reside here. Ownership is not to exceed 25%. Rentals average $5.00 to $20 for homes and apartments except some of the better apartments along Summit Avenue for which $40 is obtained. Many of the older houses have been remodeled to accommodate from two to five families and rent for this type will average from $5.00 to $20.00 per unit. Depreciation here has been about 75% with little or no subsequent recovery. Old one and one half and two story frame predominates, quits a number of the apartment buildings being prick. The extreme southern part of this district composed of Marshall, Summit, Dayton and Iglehart is somewhat better than the rest of the district due to the fact that it is walking distance to the down town district of St. Paul and has been developed into an apartment area. The district immediately west of the State Capitol is the older portion and is known as the old lower town district and is very hilly and inaccessible. Property values are very poor. Very heavy racial encroachment throughout the entire district is prominent. The only redeeming feature is its accessibility to the downtown district. The Theo. Hamm Brewery is located at Minnehaha and Payne Avenue.

This area is somewhat newer than D-3 to the east, the range being 20 to 40 years. Mostly one and a half and 2 story frame houses built on 25 foot lots. Price ranges from $1200 to $3000. Much reconditioning is necessary. The laboring class with a large percentage of negroes live here. The owner occupancy is 35%. Rents range from $5.00 to $25. The class of colored people in this area are somewhat better than other districts, many of them, due to the City of St. Paul being the General Headquarters for the Northern Pacific and Great Northern Railroads, are pullman porters who do acquire ownership of their homes. Considerable reconditioning is necessary. Depreciation is approximately 60% with a recovery of approximately 10% except in the western section from Grotto Street where the recovery is perhaps 20%.

The is an undesirable district along the Short Line Railroad tracks. Considerable undeveloped property and price ranges from $2000 to $3500, rentals from $25 to $35. Mostly laboring class live here in frame bungalows. The depreciation ie 50% with very slight recovery.

The major portion of this area is undeveloped to the south and west. It is one of the oldest parts of the city, ranging in age from 10 to 50 years, the newer development being in the extreme south and west. Considerable reconditioning is necessary. The laboring class of German and Bohemian nationalities live here. Fifty percent of the homes are owner occupied. Rentals run from $10 to $30. The type of construction is some frame and some old brick and stone houses of 1 and one and a half stories. It is very unfavorable due to the sub-strata of stone and little or no sub-soil. Depreciation here is from 60% to 70% which took place largely before 1929 with very little recovery. The Joe* Schmidt Brewery is located at West 7th between Oneida and Webster streets.

This area is known as the old Italian District of St. Paul. The age ranges from 40 to 70 years. Many old stone and brick houses predominate Ownership is low, not to exceed 25%. The rentals are very low, running from $5 .00 to $15.00 for residential units. Heavy industrial encroachment is evident. Many of these old homes have been converted into three and four family units. This is a very undesirable neighborhood. The depreciation is 70% with little or no recovery. The only attractive feature is that it is within walking distance of downtown. Ho market for any property here so it is difficult to determine a price range.

This is the Ghetto District - Russians, Jews, Mexicans, Chinese, and riff-raff live here, the most undesirable district in St. Paul. The average age ie 45 years. Much reconditioning ie necessary, also very inadvisable. Depreciation is D-3, D-6, D-7 and D-8 took place prior to the depression and values have not and will not recover. Ownership ie 20%, The rentals are whatever can be obtained on small units from $5.00 up. Frame construction predominates. There are many combination commercial and residences. This district is comprised of tenements of three and four rooms and homes with two, three and four families living in them. It is a low class of development which has little or no value except as tenements. It is adjacent to the airport which is an outstanding one and less than one and half miles to the business district of St. Paul. The Yoerg Brewery is located at the west point of this area at Ohio and Ethel Streets.

This district is undeveloped swamp land.

St. Paul — HOLC area Business and Industrial