3801 W 5th St, Duluth, MN 55807 Property Records

St. Louis County property record for 3801 W 5th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,213 sqft · built 1905
Lot Size	0.15 acres (6,546 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,500 (Apr 2026)
Tax Bill	$3,410 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2140-01440`

Property Details

APN / Parcel Number

Primary APN	`010-2140-01440`
Alternative APNs	`1196346` `1136093` `996374`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,213 sqft Gross Area
1st Floor Area	853 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,546 sqft (0.15 acres)
Garage Area	384 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	72 sqft
Deck Area	24 sqft
Storage Building	70 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1196346
Street Address	3801 W 5TH ST
City	DULUTH
State	MN
Zip	55807-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 15 AND 16 SERIAL #
Legal Subdivision	HAZLEWOOD PARK DIVISION OF WEST DULUTH
Legal Block	10
Legal Lot Number	15-16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1001
Census Tract	15800

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3801 W 5TH ST, DULUTH, MN 55807-1609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Aug 30, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Aug 30, 2022 · Amount on Record
Deed Document Number	20261100625
Prior Transfer Date	May 10, 2007
Prior Transfer Doc	0000839511
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 17, 2026
Property Address	3801 W 5TH ST, DULUTH, MN 55807-1609
Document Number	0001100625
Instrument Date	Apr 1, 2026
Instrument	2026.1100625
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$80,825.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3801 W 5TH ST, DULUTH, MN 55807-1609

Mortgage

Document Number	0001100626,
Date	Apr 17, 2026
Instrument	2026.1100626

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0001100627,
Date	Apr 17, 2026
Instrument	2026.1100627

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 1, 2036

Interest

Rate	6%
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 30, 2022
Property Address	3801 W 5TH ST, DULUTH, MN 55807-1609
Document Number	0001060631
Instrument Date	May 19, 2022
Instrument	1060631
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3801 W 5TH ST, DULUTH, MN 55807-1609

Mortgage

Document Number	0001060632
Date	Aug 30, 2022
Instrument	1060632

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Mortgage

Document Number	0001060633
Date	Aug 30, 2022
Instrument	1060633

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

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	$3,410.00 (-7.74%) Homeowner's exemption
2025	$3,696.00 (+27.8%)	$238,300 (+7.63%) Land $16,900 Building $221,400	$238,300 (+7.63%) Land $16,900 Building $221,400
2024	$2,892.00	$221,400 (+27.83%) Land $18,000 Building $203,400	$221,400 (+27.83%) Land $18,000 Building $203,400
2022		$173,200 Land $18,600 Building $154,600	$173,200 Land $18,600 Building $154,600

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 claims

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 735 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
Airfiber Fixed Wireless	100 / 20

May also be available: CTC, Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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