3912 W 5th St, Duluth, MN 55807 Property Records

St. Louis County property record for 3912 W 5th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1925
Lot Size	0.075 acres (3,303 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Dec 2025)
Tax Bill	$1,450 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-2140-01820`

Property Details

APN / Parcel Number

Primary APN	`010-2140-01820`
Alternative APNs	`1088891` `1191915`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,008 sqft Gross Area
1st Floor Area	504 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,303 sqft (0.075 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	30 sqft
Deck Area	96 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1191915
Street Address	3912 W 5TH ST
City	DULUTH
State	MN
Zip	55807-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0011 BLOCK:013 SERIAL #
Legal Subdivision	HAZELWOOD PARK DIV OF WEST DUL
Legal Block	13
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1005
Census Tract	15800

Owner

3912 W 5th St is owned and occupied by an individual who bought it in December 2025.

Source: St. Louis County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3912 W 5TH ST, DULUTH, MN 55807-1612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Dec 8, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Apr 29, 2020	Warranty Deed, Transfer · FHA Mortgage LEND SMART MTG
Apr 29, 2020	Warranty Deed, Transfer STEWART TITLE
Sep 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2025 · Amount on File
Deed Sale	Dec 8, 2025 · Amount on File
Prior Sale	Apr 29, 2020 · Amount on File
Deed Document Number	20251096906
Prior Transfer Date	Mar 26, 2018
Prior Transfer Doc	0001003008
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3912 W 5TH ST, DULUTH, MN 55807-1612
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 W 5TH ST KW, KW, DULUTH, MN 55807-1612

Mortgage

Document Number	0001055235
Date	Apr 7, 2022
Instrument	1055235

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	May 1, 2050

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 8, 2025
Property Address	3912 W 5TH ST, DULUTH, MN 55807-1612
Document Number	0001096906
Instrument Date	Nov 20, 2025
Instrument	1096906
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 W 5TH ST, DULUTH, MN 55807-1612

Mortgage

Document Number	0001096907
Date	Dec 8, 2025
Instrument	1096907

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 29, 2020
Property Address	3912 W 5TH ST, DULUTH, MN 55807-1612
Document Number	00T1022870
Instrument Date	Apr 20, 2020
Instrument	T1022870
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$421.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 W 5TH ST DULUTH MN 558071612, DULUTH, MN 55807-1612

Mortgage

Document Number	T1022871
Date	Apr 29, 2020
Instrument	T1022871

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2050

Mortgage

Document Number	T1022872,
Date	Apr 29, 2020
Instrument	T1022872

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 29, 2020
Property Address	3912 W 5TH ST, DULUTH, MN 55807-1612
Document Number	00T1022869
Instrument Date	Apr 20, 2020
Instrument	T1022869
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$231.00
Amount Accuracy	Confirmed
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	3912 W 5TH ST DULUTH MN 558071612, DULUTH, MN 55807-1612

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 21, 2018
Property Address	3912 W 5TH ST, DULUTH, MN 55807-1612
Document Number	00A1003008
Instrument Date	Mar 26, 2018
Instrument	A1003008
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 COLORADO ST DULUTH MN 558041508, DULUTH, MN 55804-1508

Tax Assessment & Valuation

The 2026 property tax bill for 3912 W 5th St was $1,450 with a homeowner's exemption, down 0.1% 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	$1,450.00 (-0.14%) Homeowner's exemption
2025	$1,452.00 (+0.41%) Homeowner's exemption	$165,400 (+22.34%) Land $8,500 Building $156,900	$165,400 (+22.34%) Land $8,500 Building $156,900
2024	$1,446.00	$135,200 Land $9,100 Building $126,100	$135,200 Land $9,100 Building $126,100
2022		$114,900 Land $9,400 Building $105,500	$114,900 Land $9,400 Building $105,500

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

Flood

FEMA maps place 3912 W 5th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.

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

The area around 3912 W 5th 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 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

Nearby Properties on W 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures