4130 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4130 W 4th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,374 sqft · built 1915
Lot Size	0.153 acres (6,666 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jan 2022)
Tax Bill	$2,610 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3400-00400`

Property Details

APN / Parcel Number

Primary APN	`010-3400-00400`
Alternative APN	`1125451`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,374 sqft Gross Area
1st Floor Area	702 sqft
Basement Area	175 sqft
Finished Basement	175 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	6,666 sqft (0.153 acres)
Garage Area	280 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	177 sqft
Deck Area	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1125451
Street Address	4130 W 4TH ST
City	DULUTH
State	MN
Zip	55807-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2 INC LOTS 15 AND 16 BLK 3CHANDLER PARK SERIAL #
Legal Subdivision	MURRAY AND HOWES ADDITION
Legal Block	3
Legal Lot Number	1-2,15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
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	4130 W 4TH ST, DULUTH, MN 55807-1546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 27, 2018	Deed of Trust, Mortgage · Line of Credit HARBOR PT CU
Mar 16, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	May 16, 2008 · Amount on Record
Deed Document Number	20221052840
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 31, 2022
Property Address	4130 W 4TH ST, DULUTH, MN 55807-1546
Document Number	0001052840
Instrument Date	Jan 19, 2022
Instrument	1052840
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$643.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4130 W 4TH ST, DULUTH, MN 55807-1546

Mortgage

Document Number	0001052841
Date	Jan 31, 2022
Instrument	1052841

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4130 W 4TH ST, DULUTH, MN 55807-1546
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001044161
Date	Jul 22, 2021
Instrument	1044161

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Mar 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4130 W 4TH ST, DULUTH, MN 55807-1546
Document Number	000T999840
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 W 4TH ST DULUTH MN 558071546, DULUTH, MN 55807-1546

Mortgage

Document Number	000T999840
Date	Jul 5, 2018
Instrument	T999840

Lender

Name	HARBOR PT CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 4, 2033

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4130 W 4TH ST, DULUTH, MN 55807-1546
Document Number	000T983472
Instrument Date	Mar 16, 2017
Transaction Type	Mortgage
Record Updated	Apr 12, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 W 4TH ST DULUTH MN 558071546, DULUTH, MN 55807-1546

Mortgage

Document Number	000T983472
Date	Mar 30, 2017
Instrument	T983472

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2047

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	$2,610.00 (+0.31%) Homeowner's exemption
2025	$2,602.00 (+2.44%) Homeowner's exemption	$229,300 (+7.55%) Land $17,100 Building $212,200	$229,300 (+7.55%) Land $17,100 Building $212,200
2024	$2,540.00	$213,200 (+9.28%) Land $18,300 Building $194,900	$213,200 (+9.28%) Land $18,300 Building $194,900
2022		$195,100 Land $16,900 Building $178,200	$195,100 Land $16,900 Building $178,200

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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