4125 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4125 W 4th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,172 sqft · built 1907
Lot Size	0.076 acres (3,334 sqft)
Owner	Individual Name on File
Tax Bill	$1,654 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3400-00710`

Property Details

APN / Parcel Number

Primary APN	`010-3400-00710`
Alternative APN	`729994`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,172 sqft Gross Area
1st Floor Area	734 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	3,334 sqft (0.076 acres)
Garage Area	480 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	112 sqft
Deck Area	50 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	729994
Street Address	4125 W 4TH ST
City	DULUTH
State	MN
Zip	55807-1545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0020 BLOCK:004 SERIAL #
Legal Subdivision	RESURVEY OF MURRAY AND HOWES ADDITION
Legal Block	4
Legal Lot Number	20
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3009
Census Tract	15800

Owner

4125 W 4th St is owned and occupied by an individual who acquired it in March 2002.

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

Owner of Record	Individual Name on File
Mailing Address	4125 W 4TH ST, DULUTH, MN 55807-1545
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

Date	Document
Nov 18, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN BK/THE NORTH
Oct 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2002
Deed Sale	Mar 4, 2002
Deed Document Number	2002848330
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4125 W 4TH ST, DULUTH, MN 55807-1545
Document Number	00A1397157
Instrument Date	Nov 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4125 W 4TH ST DULUTH MN 558071545, DULUTH, MN 55807-1545

Mortgage

Document Number	00A1397157
Date	Dec 1, 2020
Instrument	A1397157

Lender

Name	AMERICAN BK/THE NORTH
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4125 W 4TH ST, DULUTH, MN 55807-1545
Document Number	00A1343405
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4125 W 4TH ST DULUTH MN 558071545, DULUTH, MN 55807-1545

Mortgage

Document Number	00A1343405
Date	Oct 25, 2018
Instrument	A1343405

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 4125 W 4th St was $1,654 with a homeowner's exemption, down 0.1% 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	$1,654.00 (-0.12%) Homeowner's exemption
2025	$1,656.00 (+1.1%) Homeowner's exemption	$160,700 (+7.92%) Land $8,600 Building $152,100	$160,700 (+7.92%) Land $8,600 Building $152,100
2024	$1,638.00	$148,900 Land $9,200 Building $139,700	$148,900 Land $9,200 Building $139,700
2022		$150,300 Land $8,500 Building $141,800	$150,300 Land $8,500 Building $141,800

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

Flood

FEMA maps place 4125 W 4th St in Zone X, an area of minimal flood risk.

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

The area around 4125 W 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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