13015 W 4th St, Duluth, MN 55808 Property Records

St. Louis County property record for 13015 W 4th St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 912 sqft · built 1896
Lot Size	0.11 acres (4,804 sqft)
Owner	Individual Name on File
Last Sale	$222,000 (Dec 2023)
Tax Bill	$2,892 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1620-01480`

Property Details

APN / Parcel Number

Primary APN	`010-1620-01480`
Alternative APNs	`1005110` `1158892`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	912 sqft Gross Area
1st Floor Area	608 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1975
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,804 sqft (0.11 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	100 sqft
Storage Building	352 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1158892
Street Address	13015 W 4TH ST
City	DULUTH
State	MN
Zip	55808-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 88 THRU 94 EVEN NUMBERED LOTS SERIAL #
Legal Subdivision	FOURTH STREET FOND DU LAC
Legal Lot Number	94
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3051
Census Tract	3800

Owner

13015 W 4th St is owned and occupied by an individual who acquired it in April 2024.

Source: St. Louis County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	13015 W 4TH ST, DULUTH, MN 55808-2209
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · VA Mortgage ZOOM HOME LENDING LLC
Dec 6, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 4, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2023 · Amount on File
Deed Sale	Dec 6, 2023 · Amount on File
Prior Sale	Dec 4, 2023 · Amount on File
Deed Document Number	20231479273
Last Transfer Date	Apr 13, 2024
Transfer Doc	0001489047
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	13015 W 4TH ST, DULUTH, MN 55808-2209
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13015 W 4TH ST, DULUTH, MN 55808-2209

Mortgage

Document Number	0001094862
Date	Oct 3, 2025
Instrument	1094862

Lender

Name	ZOOM HOME LENDING LLC
Type	Mortgage Company
Address	LIVONIA, MI 48152

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 6, 2023
Property Address	13015 W 4TH ST, DULUTH, MN 55808-2209
Document Number	0001479273
Instrument Date	Nov 30, 2023
Instrument	1479273
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$732.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13015 W 4TH ST, DULUTH, MN 55808-2209

Mortgage

Document Number	0001479274
Date	Dec 6, 2023
Instrument	1479274

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 4, 2023
Property Address	13015 W 4TH ST, DULUTH, MN 55808-2209
Document Number	0001074934
Instrument Date	Nov 30, 2023
Instrument	1074934
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$732.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13015 W 4TH ST, DULUTH, MN 55808-2209

Mortgage

Document Number	0001074935
Date	Dec 4, 2023
Instrument	1074935

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 13015 W 4th St was $2,892 with a homeowner's exemption, up 14.3% 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	$2,892.00 (+14.31%) Homeowner's exemption
2025	$2,530.00 Homeowner's exemption	$230,300 (+10.56%) Land $28,200 Building $202,100	$230,300 (+10.56%) Land $28,200 Building $202,100
2024		$208,300 Land $27,800 Building $180,500	$208,300 Land $27,800 Building $180,500
2023	$1,312.00 Homeowner's exemption
2022		$110,600 Land $23,500 Building $87,100	$110,600 Land $23,500 Building $87,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 13015 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 13015 W 4th St is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on W 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures