4 W 5th St, Duluth, MN 55806 Property Records

St. Louis County property record for 4 W 5th St, Duluth, MN 55806

Property Summary

Property Type	Commercial
Details	1,900 sqft · built 1993
Lot Size	0.231 acres (10,068 sqft)
Owner	Company Name on Record
Last Sale	$415,000 (Jul 2024)
Tax Bill	$9,670 (2026)
Deeds & Mortgages	May 2022 Mortgage Jul 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1020-00310`

Property Details

APN / Parcel Number

Primary APN	`010-1020-00310`
Alternative APNs	`1190141` `1167735` `27263`

Interior

Stories	1 Story
Building Area	1,900 sqft Gross Area
1st Floor Area	1,900 sqft
Basement Area	1,900 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1996
Exterior Material	Metal
Lot Area	10,068 sqft (0.231 acres)
Garage Area	4,200 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1190141
Street Address	4 W 5TH ST
City	DULUTH
State	MN
Zip	55806-2728
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOTS 2 AND 4 SERIAL #
Legal Subdivision	DULUTH PROPER 1ST DIV WEST 5TH
Legal Lot Number	2,4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3004
Census Tract	1800

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	4 W 5TH ST, DULUTH, MN 55806-2728
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage NATIONAL BANK OF COMMERCE
Jul 3, 2024	Warranty Deed, Transfer · Commercial Mortgage BELL BANK
Jul 3, 2024	Re-recorded Document BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2024 · Amount on Record
Deed Sale	Jul 3, 2024 · Amount on Record
Prior Sale	Jul 3, 2024 · Amount on Record
Deed Document Number	20241490820
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4 W 5TH ST, DULUTH, MN 55806-2728
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 W 5TH ST, DULUTH, MN 55806-2728

Mortgage

Document Number	0001056663
Date	May 18, 2022
Instrument	1056663

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 3, 2024
Property Address	4 W 5TH ST, DULUTH, MN 55806-2728
Document Number	0001490820
Instrument Date	Jun 13, 2024
Instrument	1490820
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,369.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 W 1ST ST STE 610, 610, DULUTH, MN 55802-5053

Mortgage

Document Number	0001490821
Date	Jul 3, 2024
Instrument	1490821

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Jun 15, 2029

Mortgage

Document Number	0001490822
Date	Jul 3, 2024
Instrument	1490822

Lender

Name	NORTHLAND FOUNDATION
Type	Non-Lending Institution
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Aug 7, 2034

July 2024: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ST LOUIS MN
Recording Date	Jul 3, 2024
Property Address	4 W 5TH ST, DULUTH, MN 55806-2728
Document Number	0001080766
Instrument Date	Jun 13, 2024
Instrument	1080766
Record Updated	Oct 21, 2025
Title Company	ARROWHEAD ABSTRACT & TTL CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 W 1ST ST STE 610, 610, DULUTH, MN 55802-5053

Mortgage

Document Number	0001080767
Date	Jul 3, 2024
Instrument	1080767

Lender

Name	BELL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Jun 15, 2039

Mortgage

Document Number	0001080768
Date	Jul 3, 2024
Instrument	1080768

Lender

Name	NORTHLAND FINANCIAL
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Aug 7, 2034

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	$9,670.00 (+2.59%)
2025		$474,000 (+33.86%) Land $122,500 Building $351,500	$474,000 (+33.86%) Land $122,500 Building $351,500
2024	$9,426.00	$354,100 Land $122,500 Building $231,600	$354,100 Land $122,500 Building $231,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1979)
Most Recent Claim	Dec 1979 · tidal / storm surge

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	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 574 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile.

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