2123 W 5th St, Duluth, MN 55806 Property Records

St. Louis County property record for 2123 W 5th St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 2,080 sqft · built 1925
Lot Size	0.128 acres (5,609 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Feb 2021)
Tax Bill	$2,886 (2026)
Deeds & Mortgages	May 2022 Transfer Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1220-00440`

Property Details

APN / Parcel Number

Primary APN	`010-1220-00440`
Alternative APN	`1129959`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,080 sqft Gross Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	5,609 sqft (0.128 acres)
Garage Area	522 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	220 sqft
Deck Area	72 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil

Location & Zoning

Account Number	1129959
Street Address	2123 W 5TH ST
City	DULUTH
State	MN
Zip	55806-1612
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	W 40 FT SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIV
Legal Block	145
Legal Lot Number	347
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3000
Census Tract	15600

Owner

2123 W 5th St, a residential property, is owned and occupied by an individual who acquired it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2123 W 5TH ST, 2, DULUTH, MN 55806-1612
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
May 6, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 7, 2021	Deed of Trust, Mortgage · Commercial Mortgage HARBOR POINTE CU
Feb 4, 2021	Warranty Deed, Transfer RESULTS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2021 · Amount on File
Deed Sale	Feb 4, 2021 · Amount on File
Prior Sale	Jun 30, 2010 · Amount on File
Deed Document Number	20211402926
Last Transfer Date	May 6, 2022
Transfer Doc	0001442572
Record Updated	Sep 20, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 6, 2022
Property Address	2123 W 5TH ST, DULUTH, MN 55806-1612
Document Number	0001442572
Instrument Date	May 6, 2022
Instrument	1442572
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2123 W 5TH ST # 2, 2, DULUTH, MN 55806-1612

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2123 W 5TH ST, DULUTH, MN 55806-1612
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2123 W 5TH ST, DULUTH, MN 55806-1612

Mortgage

Document Number	0001409497
Date	Apr 7, 2021
Instrument	1409497

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2031

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 4, 2021
Property Address	2123 W 5TH ST, DULUTH, MN 55806-1612
Document Number	0001402926
Instrument Date	Jan 22, 2021
Instrument	1402926
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2123 W 5TH ST # 2, 2, DULUTH, MN 55806-1612

Tax Assessment & Valuation

The 2026 property tax bill for 2123 W 5th St was $2,886 with a homeowner's exemption, up 14% 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	$2,886.00 (+13.98%) Homeowner's exemption
2025	$2,532.00 (+7.47%) Homeowner's exemption	$240,100 (+15.21%) Land $21,200 Building $218,900	$240,100 (+15.21%) Land $21,200 Building $218,900
2024	$2,356.00	$208,400 Land $25,400 Building $183,000	$208,400 Land $25,400 Building $183,000
2022		$168,300 Land $22,400 Building $145,900	$168,300 Land $22,400 Building $145,900

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

Flood

FEMA maps place 2123 W 5th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979–1982)
Most Recent Claim	May 1982 · rainfall accumulation

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 2123 W 5th 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 473 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
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, T-Mobile.

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