2704 W 5th St, Duluth, MN 55806 Property Records

St. Louis County property record for 2704 W 5th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 1910
Lot Size	0.036 acres (1,601 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Sep 2023)
Tax Bill	$2,002 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1180-03040`

Property Details

APN / Parcel Number

Primary APN	`010-1180-03040`
Alternative APNs	`1106828` `1154541`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,032 sqft Gross Area
1st Floor Area	688 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Bungalow
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	1,601 sqft (0.036 acres)
Garage Area	180 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	112 sqft
Deck Area	180 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1154541
Street Address	2704 W 5TH ST
City	DULUTH
State	MN
Zip	55806-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 35 FT SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	118
Legal Lot Number	436
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1014
Census Tract	2600

Owner

2704 W 5th St is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2704 W 5TH ST, DULUTH, MN 55806-1426
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
Sep 12, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage US BANK NA
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Apr 2, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2023 · Amount on File
Deed Sale	Sep 12, 2023 · Amount on File
Prior Sale	Apr 2, 2021 · Amount on File
Deed Document Number	20231473768
Prior Transfer Date	Aug 20, 2009
Prior Transfer Doc	0001116978
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2704 W 5TH ST, DULUTH, MN 55806-1426
Transaction Type	Mortgage
Record Updated	Oct 5, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001473770
Date	Sep 12, 2023
Instrument	1473770

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 12, 2023
Property Address	2704 W 5TH ST, DULUTH, MN 55806-1426
Document Number	0001473768
Instrument Date	Aug 31, 2023
Instrument	1473768
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2704 W 5TH ST, DULUTH, MN 55806-1426

Mortgage

Document Number	0001473769
Date	Sep 12, 2023
Instrument	1473769

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 2, 2021
Property Address	2704 W 5TH ST, DULUTH, MN 55806-1426
Document Number	0001408995
Instrument Date	Mar 17, 2021
Instrument	1408995
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$183.15
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	901 SOUTY LAKE AVENUE, DULUTH, MN 55802

Tax Assessment & Valuation

The 2026 property tax bill for 2704 W 5th St was $2,002 with a homeowner's exemption, up 18% 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	$2,002.00 (+18.04%) Homeowner's exemption
2025	$1,696.00 Homeowner's exemption	$178,700 (+17.8%) Land $6,000 Building $172,700	$178,700 (+17.8%) Land $6,000 Building $172,700
2024		$151,700 Land $7,300 Building $144,400	$151,700 Land $7,300 Building $144,400
2023	$1,110.00
2022		$72,600 Land $6,400 Building $66,200	$72,600 Land $6,400 Building $66,200

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 2704 W 5th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
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 2704 W 5th 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

Nearby Properties on W 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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