2209 W 4th St, Duluth, MN 55806 Property Records

St. Louis County property record for 2209 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,373 sqft · built 1891
Lot Size	0.08 acres (3,506 sqft)
Owner	Individual Name on File
Last Sale	$162,400 (Oct 2022)
Tax Bill	$2,372 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-1180-04050`

Property Details

APN / Parcel Number

Primary APN	`010-1180-04050`
Alternative APNs	`1064420` `1138378`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,373 sqft Gross Area
1st Floor Area	860 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	3,506 sqft (0.08 acres)
Garage Area	300 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	90 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1138378
Street Address	2209 W 4TH ST
City	DULUTH
State	MN
Zip	55806-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 SERIAL #
Legal Subdivision	DULUTH PROPER 2ND DIVISION
Legal Block	123
Legal Lot Number	357
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3002
Census Tract	15600

Owner

2209 W 4th St is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2209 W 4TH ST, DULUTH, MN 55806-1501
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 11, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Sep 29, 2021	Deed of Trust, Mortgage · Balloon Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 31, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2022 · Amount on File
Deed Sale	Oct 11, 2022 · Amount on File
Prior Sale	Dec 31, 2018 · Amount on File
Deed Document Number	20221453869
Prior Transfer Date	Aug 19, 2013
Prior Transfer Doc	0001232824
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 11, 2022
Property Address	2209 W 4TH ST, DULUTH, MN 55806-1501
Document Number	0001453869
Instrument Date	Oct 6, 2022
Instrument	1453869
Transaction Type	Transfer
Record Updated	Nov 24, 2022
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	$535.92
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 W 4TH ST, DULUTH, MN 55806-1501

Mortgage

Document Number	0001453870
Date	Oct 11, 2022
Instrument	1453870

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2209 W 4TH ST, DULUTH, MN 55806-1501
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001425878
Date	Sep 29, 2021
Instrument	1425878

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF D
Type	Government Agency
Address	55186

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 18, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2209 W 4TH ST, DULUTH, MN 55806-1501
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001425877
Date	Sep 29, 2021
Instrument	1425877

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF D
Type	Government Agency
Address	DULUTH, MN 55816

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Aug 18, 2036

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2209 W 4TH ST, DULUTH, MN 55806-1501
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001412712
Date	May 4, 2021
Instrument	1412712

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 31, 2018
Property Address	2209 W 4TH ST, DULUTH, MN 55806-1501
Document Number	00A1347382
Instrument Date	Dec 28, 2018
Instrument	A1347382
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 W 4TH ST DULUTH MN 558061501, DULUTH, MN 55806-1501

Mortgage

Document Number	A1347383
Date	Dec 31, 2018
Instrument	A1347383

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2209 W 4th St was $2,372 with a homeowner's exemption, up 15.7% 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	$2,372.00 (+15.71%) Homeowner's exemption
2025	$2,050.00 (+3.43%) Homeowner's exemption	$204,300 (+16.28%) Land $13,200 Building $191,100	$204,300 (+16.28%) Land $13,200 Building $191,100
2024	$1,982.00	$175,700 Land $15,900 Building $159,800	$175,700 Land $15,900 Building $159,800
2022		$145,500 Land $14,000 Building $131,500	$145,500 Land $14,000 Building $131,500

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

Flood

FEMA maps place 2209 W 4th 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

The area around 2209 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, CTC.

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