St. Louis County property record for 1031 W 4th St, Duluth, MN 55806
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,740 sqft · built 1947 |
| Lot Size | 0.323 acres (14,078 sqft) |
| Owner | Individual Name on File |
| Last Sale | $174,000 (Nov 2009) |
| Tax Bill | $3,992 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1270-02710 |
| Primary APN | 010-1270-02710 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,740 sqft Gross Area |
| 1st Floor Area | 1,011 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 14,078 sqft (0.323 acres) |
| Garage Area | 440 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 90 sqft |
| Deck Area | 84 sqft |
| Patio Area | 280 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1003656 |
|---|---|
| Street Address | 1031 W 4TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55806-2249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 173 AND 175 EX N 10 FT FOR ALLEY SERIAL # |
| Legal Subdivision | DULUTH PROPER THIRD DIVISION |
| Legal Block | 42 |
| Legal Lot Number | 173,175 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 2000 |
1031 W 4th St is owned and occupied by an individual who acquired it in January 2016.
Source: St. Louis County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1031 W 4TH ST, DULUTH, MN 55806-2249 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF RIO VISTA |
| Sep 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF RIO VISTA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2009 · Amount on File |
| Deed Sale | Nov 20, 2009 · Amount on File |
| Prior Sale | Dec 2, 2004 · Amount on File |
| Deed Document Number | 20091123301 |
| Last Transfer Date | Jan 23, 2016 |
| Transfer Doc | 00A1278807 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 28, 2026 |
| Property Address | 1031 W 4TH ST, DULUTH, MN 55806-2249 |
| Document Number | 0001539475 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 20261539475 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1031 W 4TH ST, DULUTH, MN 55806-2249 |
| Document Number | 0001539475, |
|---|---|
| Date | Aug 28, 2026 |
| Instrument | 20261539475 |
| Name | BANK OF RIO VISTA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 24, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 3, 2026 |
| Property Address | 1031 W 4TH ST, DULUTH, MN 55806-2249 |
| Document Number | 0001539869 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20261539869 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1031 W 4TH ST, DULUTH, MN 55806-2249 |
| Document Number | 0001539869, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 20261539869 |
| Name | BANK OF RIO VISTA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 117 Months |
| Due | Jun 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2026 property tax bill for 1031 W 4th St was $3,992 with a homeowner's exemption, up 10.4% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,992.00 (+10.4%) Homeowner's exemption | ||
| 2025 | $3,616.00 (+3.79%) Homeowner's exemption | $318,900 (+13.13%) Land $78,200 Building $240,700 | $318,900 (+13.13%) Land $78,200 Building $240,700 |
| 2024 | $3,484.00 | $281,900 Land $75,800 Building $206,100 | $281,900 Land $75,800 Building $206,100 |
| 2022 | $240,100 Land $68,700 Building $171,400 | $240,100 Land $68,700 Building $171,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1031 W 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 1031 W 4th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Duluth serves 86,859 people · EPA ID MN1690011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures