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

St. Louis County property record for 305 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	0.045 acres (1,978 sqft)
Owner	Company Name on Record
Last Sale	$330,000 (Aug 2025)
Tax Bill	$124 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1270-04150`

Property Details

APN / Parcel Number

Primary APN	`010-1270-04150`
Alternative APNs	`1017587` `1185877`

Exterior

Lot Area	1,978 sqft (0.045 acres)
Lot Dimensions	46 ft deep x 43 ft wide

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	1185877
Street Address	305 W 4TH ST
City	DULUTH
State	MN
Zip	55806-2646
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	R4
Legal Description	REARR OF LOTS 49 51 53 SERIAL #
Legal Subdivision	DULUTH PROPER
Legal Block	50
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	1800

Owner

Source: St. Louis County records, as of September 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2730 NORTHRIDGE DR, DULUTH, MN 55811-4210
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jan 18, 2024	Deed of Trust, Mortgage · Commercial Mortgage MEMBERS COOPERATIVE CU
Feb 12, 2019	Warranty Deed, Transfer · Line of Credit MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2025 · Amount on Record
Deed Sale	Aug 4, 2025 · Amount on Record
Prior Sale	Feb 12, 2019 · Amount on Record
Deed Document Number	20251515293
Prior Transfer Date	Dec 1, 2005
Prior Transfer Doc	0001005816
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 W 4TH ST, DULUTH, MN 55806-2646
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001076233
Date	Jan 17, 2024
Instrument	1076233

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 W 4TH ST, DULUTH, MN 55806-2646
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001481698
Date	Jan 18, 2024
Instrument	1481698

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 12, 2019
Property Address	305 W 4TH ST, DULUTH, MN 55806-2646
Document Number	0001349916
Instrument Date	Feb 1, 2019
Instrument	1349916
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.25
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 122 WASCOTT WI 548900122, WASCOTT, WI 54890-0122

Mortgage

Document Number	1349917
Date	Feb 12, 2019
Instrument	1349917

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$124.00 (+5.08%)
2025	$118.00 (-18.06%)	$7,700 (+1%) Land $7,700	$7,700 (+1%) Land $7,700
2024	$144.00	$7,000 (-10.26%) Land $7,000	$7,000 (-10.26%) Land $7,000
2022		$7,800 Land $7,800	$7,800 Land $7,800

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

Flood

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 Policies	1 in force
Nearby Flood Claims	2 (1979)
Most Recent Claim	Dec 1979 · tidal / storm surge

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

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 357 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

May also be available: Airfiber, AT&T, Fidium Fiber.

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