1232 W 4th St, Duluth, MN 55806 Property Records

St. Louis County property record for 1232 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,040 sqft · built 1977
Lot Size	0.172 acres (7,498 sqft)
Owner	2 Individual Names on File
Last Sale	$363,000 (Jul 2025)
Tax Bill	$3,770 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1160-00980`

Property Details

APN / Parcel Number

Primary APN	`010-1160-00980`
Alternative APNs	`1184908` `28626`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,040 sqft Gross Area
1st Floor Area	1,040 sqft
Basement Area	182 sqft
Finished Basement	182 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,498 sqft (0.172 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	80 sqft
Storage Building	40 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1184908
Street Address	1232 W 4TH ST
City	DULUTH
State	MN
Zip	55806-2254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0208 BLOCK:103 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIV
Legal Block	103
Legal Lot Number	208
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1014
Census Tract	2000

Owner

1232 W 4th St is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1232 W 4TH ST, DULUTH, MN 55806-2254
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2025 · Amount on File
Deed Sale	Jul 15, 2025 · Amount on File
Deed Document Number	20251091977
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 15, 2025
Property Address	1232 W 4TH ST, DULUTH, MN 55806-2254
Document Number	0001091977
Instrument Date	Jul 9, 2025
Instrument	1091977
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,197.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1232 W 4TH ST, DULUTH, MN 55806-2254

Mortgage

Document Number	0001091978
Date	Jul 15, 2025
Instrument	1091978

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	1 Months
Due	Aug 1, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 1232 W 4th St was $3,770 with a homeowner's exemption, up 11.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,770.00 (+11.34%) Homeowner's exemption
2025	$3,386.00 (-2.7%) Homeowner's exemption	$301,600 (+13.26%) Land $57,300 Building $244,300	$301,600 (+13.26%) Land $57,300 Building $244,300
2024	$3,480.00	$266,300 Land $55,400 Building $210,900	$266,300 Land $55,400 Building $210,900
2022		$239,700 Land $50,300 Building $189,400	$239,700 Land $50,300 Building $189,400

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

Flood

FEMA maps place 1232 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.

Wildfire

Wildfire risk around 1232 W 4th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 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