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

St. Louis County property record for 325 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,500 sqft · built 1882
Lot Size	0.063 acres (2,758 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Jan 2021)
Tax Bill	$2,192 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Jul 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1270-04280`

Property Details

APN / Parcel Number

Primary APN	`010-1270-04280`
Alternative APN	`1031469`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,500 sqft Gross Area
1st Floor Area	810 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	2,758 sqft (0.063 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	160 sqft
Deck Area	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1031469
Street Address	325 W 4TH ST
City	DULUTH
State	MN
Zip	55806-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 1/2 SERIAL #
Legal Subdivision	DULUTH PROPER THIRD DIVISION
Legal Block	50
Legal Lot Number	61
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	1800

Owner

325 W 4th St is owned by two individuals who bought it in January 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1217 92ND AVE W, DULUTH, MN 55808-1536
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jul 13, 2020	Warranty Deed, Transfer NORTH SHORE TITLE
Mar 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2021 · Amount on File
Deed Sale	Jan 26, 2021 · Amount on File
Prior Sale	Jul 13, 2020 · Amount on File
Deed Document Number	20211402085
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	325 W 4TH ST, DULUTH, MN 55806-2606
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001057788
Date	Jun 15, 2022
Instrument	1057788

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	May 27, 2032

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 13, 2020
Property Address	325 W 4TH ST, DULUTH, MN 55806-2606
Document Number	00A1384860
Instrument Date	Jul 7, 2020
Instrument	A1384860
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$215.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1217 92ND AVE W DULUTH MN 558081536, DULUTH, MN 55808-1536

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 30, 2017
Property Address	325 W 4TH ST, DULUTH, MN 55806-2606
Document Number	00A1306546
Instrument Date	Feb 2, 2017
Instrument	A1306546
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1406 VERMILION RD DULUTH MN 558121524, DULUTH, MN 55812-1524

Tax Assessment & Valuation

The 2026 property tax bill for 325 W 4th St was $2,192, up 5.6% 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	$2,192.00 (+5.59%)
2025	$2,076.00 (+11.73%)	$170,000 (+13.33%) Land $11,000 Building $159,000	$170,000 (+13.33%) Land $11,000 Building $159,000
2024	$1,858.00	$150,000 Land $10,000 Building $140,000	$150,000 Land $10,000 Building $140,000
2022		$119,900 Land $11,000 Building $108,900	$119,900 Land $11,000 Building $108,900

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

Flood

FEMA maps place 325 W 4th St in Zone X, an area of minimal flood risk, though there have been 2 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 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

The area around 325 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 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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