3908 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 3908 W 4th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,029 sqft · built 1916
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Jan 2017)
Tax Bill	$2,444 (2026)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2140-02480`

Property Details

APN / Parcel Number

Primary APN	`010-2140-02480`
Alternative APN	`1024263`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,029 sqft Gross Area
1st Floor Area	588 sqft
Basement Area	169 sqft
Finished Basement	169 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,013 sqft (0.161 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	60 sqft
Deck Area	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1024263
Street Address	3908 W 4TH ST
City	DULUTH
State	MN
Zip	55807-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 12 AND 13 SERIAL #
Legal Subdivision	HAZELWOOD PARK DIV OF WEST DUL
Legal Block	16
Legal Lot Number	12-13
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1008
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	3908 W 4TH ST, DULUTH, MN 55807-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2017 · Amount on Record
Deed Sale	Jan 25, 2017 · Amount on Record
Prior Sale	Jul 15, 2008 · Amount on Record
Deed Document Number	2017981366
Prior Transfer Date	Jan 24, 2017
Prior Transfer Doc	0000981366
Record Updated	Oct 29, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 25, 2017
Property Address	3908 W 4TH ST, DULUTH, MN 55807-1606
Document Number	000T981366
Instrument Date	Jan 24, 2017
Instrument	T981366
Transaction Type	Transfer
Record Updated	Feb 10, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 W 4TH ST DULUTH MN 558071606, DULUTH, MN 55807-1606

Mortgage

Document Number	T981367
Date	Jan 25, 2017
Instrument	T981367

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 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	$2,444.00 (+0.08%) Homeowner's exemption
2025	$2,442.00 (+2.35%) Homeowner's exemption	$217,300 (+7.41%) Land $18,100 Building $199,200	$217,300 (+7.41%) Land $18,100 Building $199,200
2024	$2,386.00	$202,300 (+17.55%) Land $19,300 Building $183,000	$202,300 (+17.55%) Land $19,300 Building $183,000
2022		$172,100 Land $19,900 Building $152,200	$172,100 Land $19,900 Building $152,200

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
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.

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