4031 Cooke St, Duluth, MN 55804 Property Records

St. Louis County property record for 4031 Cooke St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,419 sqft · built 1946
Lot Size	0.16 acres (6,999 sqft)
Owner	Individual Name on File
Last Sale	$156,000 (Aug 2006)
Tax Bill	$3,770 (2026)
Deeds & Mortgages	Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-3030-01590`

Property Details

APN / Parcel Number

Primary APN	`010-3030-01590`
Alternative APN	`903087`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,419 sqft Gross Area
1st Floor Area	946 sqft
Basement Area	473 sqft
Finished Basement	473 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,999 sqft (0.16 acres)
Garage Area	240 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	49 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	903087
Street Address	4031 COOKE ST
City	DULUTH
State	MN
Zip	55804-1943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0009 BLOCK:079 SERIAL #
Legal Subdivision	LONDON ADDITION TO DULUTH
Legal Block	79
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3015
Census Tract	600

Owner

4031 Cooke St is owned and occupied by an individual who acquired it in July 2010.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	4031 COOKE ST, DULUTH, MN 55804-1943
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2006 · Amount on File
Deed Sale	Aug 18, 2006 · Amount on File
Deed Document Number	20061027315
Last Transfer Date	Jul 9, 2010
Transfer Doc	0001139226
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4031 COOKE ST, DULUTH, MN 55804-1943
Document Number	00A1303767
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4031 COOKE ST DULUTH MN 558041943, DULUTH, MN 55804-1943

Mortgage

Document Number	00A1303767
Date	Feb 9, 2017
Instrument	A1303767

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 8, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4031 Cooke St was $3,770 with a homeowner's exemption, up 7.3% 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	$3,770.00 (+7.29%) Homeowner's exemption
2025	$3,514.00 (-1.24%) Homeowner's exemption	$292,400 (+6.33%) Land $47,900 Building $244,500	$292,400 (+6.33%) Land $47,900 Building $244,500
2024	$3,558.00	$275,000 Land $46,200 Building $228,800	$275,000 Land $46,200 Building $228,800
2022		$241,600 Land $35,600 Building $206,000	$241,600 Land $35,600 Building $206,000

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

Flood

FEMA maps place 4031 Cooke St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	6 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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

Wildfire risk around 4031 Cooke St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20