4015 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4015 W 4th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,432 sqft · built 1921
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Tax Bill	$2,948 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Dec 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-0480-01010`

Property Details

APN / Parcel Number

Primary APN	`010-0480-01010`
Alternative APN	`1075044`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,432 sqft Gross Area
1st Floor Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	4,966 sqft (0.114 acres)
Garage Area	384 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	196 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1075044
Street Address	4015 W 4TH ST
City	DULUTH
State	MN
Zip	55807-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W1/2 OF LOT 21 AND ALL OF LOT 22, BLOCK 6,INCLUDING W1/2 OF LOT 8 AND ALL OF LOT 9,BLOCK 2, CHANDLER PARK 1ST ADDITION
Legal Subdivision	CHANDLER PARK ADDITION
Legal Block	6
Legal Lot Number	21
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3006
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	4015 W 4TH ST, DULUTH, MN 55807-1504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Dec 16, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 16, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 2, 2019	Quit Claim Deed, Mortgage · FHA Mortgage POLARIS HM FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2019
Deed Sale	Aug 2, 2019
Prior Sale	Oct 22, 2013 · Amount on Record
Deed Document Number	20191013158
Last Transfer Date	Nov 4, 2019
Transfer Doc	0001018595
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4015 W 4TH ST, DULUTH, MN 55807-1504
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001069883
Date	Jul 10, 2023
Instrument	1069883

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jun 28, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jun 28, 2033
Change Frequency	Annually
Min Rate At Change	6.75%
Max Rate At Change	8.75%
Index	Prime Rate
Max Rate	12.7%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 16, 2019
Property Address	4015 W 4TH ST, DULUTH, MN 55807-1504
Document Number	00T1018595
Instrument Date	Nov 4, 2019
Instrument	T1018595
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4015 W 4TH ST DULUTH MN 558071504, DULUTH, MN 55807-1504

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 16, 2019
Property Address	4015 W 4TH ST, DULUTH, MN 55807-1504
Document Number	00T1018596
Instrument Date	Nov 4, 2019
Instrument	T1018596
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4015 W 4TH ST DULUTH MN 558071504, DULUTH, MN 55807-1504

August 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 2, 2019
Property Address	4015 W 4TH ST, DULUTH, MN 55807-1504
Document Number	00T1013158
Instrument Date	Aug 2, 2019
Instrument	T1013158
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	TERRA TITLE COMPANY, TERRA TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4015 W 4TH ST DULUTH MN 558071504, DULUTH, MN 55807-1504

Mortgage

Document Number	T1013159
Date	Aug 2, 2019
Instrument	T1013159

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

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	$2,948.00 (+0.41%) Homeowner's exemption
2025	$2,936.00 (+2.87%) Homeowner's exemption	$254,700 (+8.02%) Land $12,800 Building $241,900	$254,700 (+8.02%) Land $12,800 Building $241,900
2024	$2,854.00	$235,800 (+26.91%) Land $13,700 Building $222,100	$235,800 (+26.91%) Land $13,700 Building $222,100
2022		$185,800 Land $12,600 Building $173,200	$185,800 Land $12,600 Building $173,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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