St. Louis County property record for 4120 Tioga St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,264 sqft · built 1990 |
| Lot Size | 0.356 acres (15,541 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $6,134 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4737-00020 |
| Primary APN | 010-4737-00020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,264 sqft Gross Area |
| 1st Floor Area | 1,264 sqft |
| Basement Area | 780 sqft |
| Finished Basement | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 15,541 sqft (0.356 acres) |
| Garage Area | 480 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 84 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1162152 |
|---|---|
| Street Address | 4120 TIOGA ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EX SLY 30 FT SERIAL # |
| Legal Subdivision | WOODRIDGE FIRST ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 600 |
4120 Tioga St is owner-occupied and held in a trust since December 2023.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4120 TIOGA ST, DULUTH, MN 55804-1418 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Mar 6, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Jul 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 7, 2023 |
| Transfer Doc | 0001077796 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4120 TIOGA ST, DULUTH, MN 55804-1418 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4120 TIOGA ST, DULUTH, MN 55804-1418 |
| Document Number | 0001037333 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 1037333 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 6, 2020 |
| Property Address | 4120 TIOGA ST, DULUTH, MN 55804-1418 |
| Document Number | 00T1021208 |
| Instrument Date | Mar 3, 2020 |
| Instrument | T1021208 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2020 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $904.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4131 COLORADO ST DULUTH MN 558041406, DULUTH, MN 55804-1406 |
| Document Number | T1021209 |
|---|---|
| Date | Mar 6, 2020 |
| Instrument | T1021209 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 5, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 12, 2017 |
| Property Address | 4120 TIOGA ST, DULUTH, MN 55804-1418 |
| Document Number | 000T987083 |
| Instrument Date | Jun 26, 2017 |
| Instrument | T987083 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4120 TIOGA ST DULUTH MN 558041418, DULUTH, MN 55804-1418 |
The 2026 property tax bill for 4120 Tioga St was $6,134 with a homeowner's exemption, up 7.1% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,134.00 (+7.09%) Homeowner's exemption | ||
| 2025 | $5,728.00 (+0.53%) Homeowner's exemption | $452,000 (+6.3%) Land $71,200 Building $380,800 | $452,000 (+6.3%) Land $71,200 Building $380,800 |
| 2024 | $5,698.00 | $425,200 Land $68,700 Building $356,500 | $425,200 Land $68,700 Building $356,500 |
| 2022 | $371,000 Land $52,900 Building $318,100 | $371,000 Land $52,900 Building $318,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4120 Tioga St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 4120 Tioga 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 540 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 |
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