3808 W 5th St, Duluth, MN 55807 Property Records

St. Louis County property record for 3808 W 5th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,116 sqft · built 1923
Lot Size	0.091 acres (3,969 sqft)
Owner	Company Name on Record
Last Sale	$255,000 (Dec 2025)
Tax Bill	$2,474 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-2140-01700`

Property Details

APN / Parcel Number

Primary APN	`010-2140-01700`
Alternative APNs	`1180677` `961822` `42382`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,116 sqft Gross Area
1st Floor Area	792 sqft
Basement Area	198 sqft
Finished Basement	198 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1985
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	3,969 sqft (0.091 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	108 sqft
Deck Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	961822
Street Address	3808 W 5TH ST
City	DULUTH
State	MN
Zip	55807-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 5 FT OF LOT 12 AND ALL OF LOT 13 INCELY 5 FT OF LOT 6 AND ALL OF LOT 7 BLK6 SEIBOURN PARK SERIAL #
Legal Subdivision	HAZELWOOD PARK DIVISION
Legal Block	12
Legal Lot Number	12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1004
Census Tract	15800

Owner

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	Company Name on Record
Mailing Address	12 E 4TH ST, DULUTH, MN 55805-3895
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Sep 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage GREATER MN HSNG FND
Sep 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Dec 9, 2025	Deed, Transfer · Commercial Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	Mar 31, 2025 · Amount on Record
Deed Document Number	20251097019
Prior Transfer Date	Apr 1, 2005
Prior Transfer Doc	0000796373
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 10, 2026
Property Address	3808 W 5TH ST, DULUTH, MN 55807-1610
Document Number	0001105771
Instrument Date	Aug 27, 2026
Instrument	20261105771
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3808 W 5TH ST, DULUTH, MN 55807-1610

Mortgage

Document Number	0001105771,
Date	Sep 10, 2026
Instrument	20261105771

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

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

Interest

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

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 10, 2026
Property Address	3808 W 5TH ST, DULUTH, MN 55807-1610
Document Number	0001105773
Instrument Date	Aug 27, 2026
Instrument	20261105773
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3808 W 5TH ST, DULUTH, MN 55807-1610

Mortgage

Document Number	0001105773,
Date	Sep 10, 2026
Instrument	20261105773

Lender

Name	GREATER MN HSNG FND

Agreement

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

Interest

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

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 10, 2026
Property Address	3808 W 5TH ST, DULUTH, MN 55807-1610
Document Number	0001105770
Instrument Date	Aug 27, 2026
Instrument	20261105770
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 YORK ST, PINE RIVER, MN 56474-5005

Mortgage

Document Number	0001105770,
Date	Sep 10, 2026
Instrument	20261105770

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

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

Interest

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

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 9, 2025
Property Address	3808 W 5TH ST, DULUTH, MN 55807-1610
Document Number	0001097019
Instrument Date	Dec 2, 2025
Instrument	1097019
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	UNKNOWN, ARROWHEAD ABSTRACT AND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$841.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 E 4TH ST, DULUTH, MN 55805-3895
Investor	Possibly a Property Investor

Mortgage

Document Number	0001097020
Date	Dec 9, 2025
Instrument	1097020

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Sep 4, 2026

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	$2,474.00 (+0.49%) Homeowner's exemption
2025	$2,462.00 (+22.12%) Homeowner's exemption	$232,100 (+13.94%) Land $10,200 Building $221,900	$232,100 (+13.94%) Land $10,200 Building $221,900
2024	$2,016.00	$203,700 (+6.93%) Land $10,900 Building $192,800	$203,700 (+6.93%) Land $10,900 Building $192,800
2022		$190,500 Land $11,300 Building $179,200	$190,500 Land $11,300 Building $179,200

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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