3814 W 5th St, Duluth, MN 55807 Property Records

St. Louis County property record for 3814 W 5th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1907
Lot Size	0.106 acres (4,631 sqft)
Owner	Individual Name on Record
Last Sale	$121,000 (May 2025)
Tax Bill	$2,528 (2026)
Deeds & Mortgages	May 2023 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2140-01660`

Property Details

APN / Parcel Number

Primary APN	`010-2140-01660`
Alternative APNs	`1182693` `918915`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	840 sqft Gross Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	4,631 sqft (0.106 acres)
Garage Area	1,584 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	30 sqft
Deck Area	180 sqft
Storage Building	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1182693
Street Address	3814 W 5TH ST
City	DULUTH
State	MN
Zip	55807-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 AND WLY 10 FT OF LOT 11 INC LOT 4AND WLY 10 FT OF LOT 5 BLK 6 SEIBOURNPARK DIVISION SERIAL #
Legal Subdivision	HAZELWOOD PARK DIVISION OF WEST DULUTH
Legal Block	12
Legal Lot Number	11
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	640 KINDEN RD, CLOQUET, MN 55720-9418
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Oct 28, 2017	Deed of Trust, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2025 · Amount on Record
Deed Sale	May 21, 2025 · Amount on Record
Deed Document Number	20251090359
Prior Transfer Date	Jan 28, 2011
Prior Transfer Doc	0000901979
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3814 W 5TH ST, DULUTH, MN 55807-1610
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001068568
Date	May 24, 2023
Instrument	1068568

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 15, 2038

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	May 15, 2033
Change Frequency	Annually
Min Rate At Change	8%
Max Rate At Change	10%
Index	Prime Rate
Max Rate	14%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3814 W 5TH ST, DULUTH, MN 55807-1610
Document Number	000T992184
Instrument Date	Oct 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3814 W 5TH ST DULUTH MN 558071610, DULUTH, MN 55807-1610

Mortgage

Document Number	000T992184
Date	Nov 15, 2017
Instrument	T992184

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2047

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	$2,528.00 (+18.35%)
2025	$2,136.00 (+8,444%) Homeowner's exemption	$195,700 (+7.76%) Land $11,900 Building $183,800	$195,700 (+7.76%) Land $11,900 Building $183,800
2024		$181,600 (+36.34%) Land $12,800 Building $168,800	$181,600 (+36.34%) Land $12,800 Building $168,800
2022	$25.00	$133,200 Land $13,100 Building $120,100	$133,200 Land $13,100 Building $120,100

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
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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