2620 W 4th St, Duluth, MN 55806 Property Records

St. Louis County property record for 2620 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 940 sqft · built 1903
Lot Size	0.08 acres (3,505 sqft)
Owner	Company Name on File
Last Sale	$210,000 (Jan 2024)
Tax Bill	$1,362 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-1180-02320`

Property Details

APN / Parcel Number

Primary APN	`010-1180-02320`
Alternative APNs	`1076736` `1161115`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	940 sqft Gross Area
1st Floor Area	654 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,505 sqft (0.08 acres)
Garage Type	Detached
Garage Area	192 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	170 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1161115
Street Address	2620 W 4TH ST
City	DULUTH
State	MN
Zip	55806-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST 1/2 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	115
Legal Lot Number	426
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1012
Census Tract	2600

Owner

2620 W 4th St is owned by a company that bought it in January 2024 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	2620 W 4TH ST, DULUTH, MN 55806-1421
Occupancy	Owner Occupied
Owner Type	Company

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
Jan 18, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NORTH SHORE BANK OF COMMERCE
Jan 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Aug 28, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2024 · Amount on File
Deed Sale	Jan 11, 2024 · Amount on File
Prior Sale	Oct 8, 2014 · Amount on File
Deed Document Number	20241615659
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2620 W 4TH ST, DULUTH, MN 55806-1421
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001481732
Date	Jan 18, 2024
Instrument	1481732

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2620 W 4TH ST, DULUTH, MN 55806-1421
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	NOT AVAILABLE, ARROWHEAD ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 N 61ST AVE W, DULUTH, MN 55807-1916

Mortgage

Document Number	0001481731
Date	Jan 18, 2024
Instrument	1481731

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2620 W 4TH ST, DULUTH, MN 55806-1421
Document Number	00A1362916
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2620 W 4TH ST DULUTH MN 558061421, DULUTH, MN 55806-1421

Mortgage

Document Number	00A1362916
Date	Sep 10, 2019
Instrument	A1362916

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2620 W 4TH ST, DULUTH, MN 55806-1421
Document Number	00A1362914
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2620 W 4TH ST DULUTH MN 558061421, DULUTH, MN 55806-1421

Mortgage

Document Number	00A1362914
Date	Sep 10, 2019
Instrument	A1362914

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 2620 W 4th St was $1,362 with a homeowner's exemption, up 16.4% 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	$1,362.00 (+16.41%) Homeowner's exemption
2025	$1,170.00 (-26.78%) Homeowner's exemption	$170,900 (+15.71%) Land $13,200 Building $157,700	$170,900 (+15.71%) Land $13,200 Building $157,700
2024	$1,598.00	$147,700 Land $15,900 Building $131,800	$147,700 Land $15,900 Building $131,800
2022		$122,600 Land $14,000 Building $108,600	$122,600 Land $14,000 Building $108,600

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

Flood

FEMA maps place 2620 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 A, 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

The area around 2620 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 601 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
Starlink Satellite	280 / 30

May also be available: Airfiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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