4115 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4115 W 4th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,376 sqft · built 1925
Lot Size	0.107 acres (4,670 sqft)
Owner	Individual Name on Record
Last Sale	$126,400 (Mar 2020)
Tax Bill	$2,696 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0480-00660`

Property Details

APN / Parcel Number

Primary APN	`010-0480-00660`
Alternative APN	`1086498`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,376 sqft Gross Area
1st Floor Area	944 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,670 sqft (0.107 acres)
Garage Area	240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	50 sqft
Deck Area	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1086498
Street Address	4115 W 4TH ST
City	DULUTH
State	MN
Zip	55807-1545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC LOT 25 BLOCK 4 MURRAY AND HOWE ANDINC ELY 10 FT LOT 24 BLK 4 MURRAY / HOWE SERIAL #
Legal Subdivision	MURRAY AND HOWES ADDITION
Legal Block	4
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3009
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	4115 W 4TH ST, DULUTH, MN 55807-1545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Mar 16, 2020	Warranty Deed, Transfer · Conventional with PMI US BK
Mar 5, 2020	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2020 · Amount on Record
Deed Sale	Mar 5, 2020 · Amount on Record
Deed Document Number	20201021180
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4115 W 4TH ST, DULUTH, MN 55807-1545
Document Number	00T1025648
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00T1025648
Date	Jul 10, 2020
Instrument	T1025648

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	520 GARFIELD AVE, DULUTH, MN 55802-2610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 16, 2020
Property Address	4115 W 4TH ST, DULUTH, MN 55807-1545
Document Number	00A1375843
Instrument Date	Mar 2, 2020
Instrument	A1375843
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$417.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4115 W 4TH ST DULUTH MN 558071545, DULUTH, MN 55807-1545

Mortgage

Document Number	A1375844
Date	Mar 16, 2020
Instrument	A1375844

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2050

Mortgage

Document Number	A1375845,
Date	Mar 16, 2020
Instrument	A1375845

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2050

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 5, 2020
Property Address	4115 W 4TH ST, DULUTH, MN 55807-1545
Document Number	00T1021180
Instrument Date	Mar 2, 2020
Instrument	T1021180
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$417.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4115 W 4TH ST DULUTH MN 558071545, DULUTH, MN 55807-1545

Mortgage

Document Number	T1021181
Date	Mar 5, 2020
Instrument	T1021181

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

Mortgage

Document Number	T1021182,
Date	Mar 5, 2020
Instrument	T1021182

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

Interest

Rate Type	Adjustable Rate

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	$2,696.00 (+0.45%) Homeowner's exemption
2025	$2,684.00 (+2.68%) Homeowner's exemption	$236,200 (+7.95%) Land $12,000 Building $224,200	$236,200 (+7.95%) Land $12,000 Building $224,200
2024	$2,614.00	$218,800 (+16.01%) Land $12,900 Building $205,900	$218,800 (+16.01%) Land $12,900 Building $205,900
2022		$188,600 Land $11,900 Building $176,700	$188,600 Land $11,900 Building $176,700

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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