4131 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4131 W 4th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,276 sqft · built 1924
Lot Size	0.068 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Aug 2023)
Tax Bill	$2,620 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-3400-00680`

Property Details

APN / Parcel Number

Primary APN	`010-3400-00680`
Alternative APNs	`1106692` `1154046`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,276 sqft Gross Area
1st Floor Area	772 sqft
Basement Area	625 sqft
Finished Basement	625 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,000 sqft (0.068 acres)
Garage Area	360 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	176 sqft
Storage Building	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1154046
Street Address	4131 W 4TH ST
City	DULUTH
State	MN
Zip	55807-1545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 66 FT OF LOT 17 AND S 66 FT OF W 20 FTOF LOT 18 SERIAL #
Legal Subdivision	RE-SURVEY OF MURRAYS AND HOWES ADDITION
Legal Block	4
Legal Lot Number	17-18
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3009
Census Tract	15800

Owner

4131 W 4th St is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4131 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 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Mar 31, 2021	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Mar 31, 2021 · Amount on File
Deed Document Number	20231473224
Prior Transfer Date	Jun 23, 2010
Prior Transfer Doc	0000061414
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4131 W 4TH ST, DULUTH, MN 55807-1545
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4131 W 4TH ST, DULUTH, MN 55807-1545

Mortgage

Document Number	0001522752
Date	Nov 20, 2025
Instrument	1522752

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4131 W 4TH ST, DULUTH, MN 55807-1545
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001419775
Date	Jul 21, 2021
Instrument	1419775

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Apr 1, 2051

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 31, 2023
Property Address	4131 W 4TH ST, DULUTH, MN 55807-1545
Document Number	0001473224
Map Reference	DOC 305968
Instrument Date	Aug 3, 2023
Instrument	1473224
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4131 W 4TH ST, DULUTH, MN 55807-1545

Mortgage

Document Number	0001473225
Date	Aug 31, 2023
Instrument	1473225

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 31, 2021
Property Address	4131 W 4TH ST, DULUTH, MN 55807-1545
Document Number	0001408686
Instrument Date	Mar 23, 2021
Instrument	1408686
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4131 W 4TH ST, DULUTH, MN 55807-1545

Mortgage

Document Number	0001408687
Date	Mar 31, 2021
Instrument	1408687

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 12, 2019
Property Address	4131 W 4TH ST, DULUTH, MN 55807-1545
Document Number	00A1360506
Instrument Date	Jul 31, 2019
Instrument	A1360506
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1.65
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4131 W 4TH ST DULUTH MN 558071545, DULUTH, MN 55807-1545

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 12, 2019
Property Address	4131 W 4TH ST, DULUTH, MN 55807-1545
Document Number	00A1360506
Instrument Date	Jul 31, 2019
Instrument	A1360506
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4131 W 4TH ST DULUTH MN 558071545, DULUTH, MN 55807-1545

Tax Assessment & Valuation

The 2026 property tax bill for 4131 W 4th St was $2,620 with a homeowner's exemption, up 0.5% 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	$2,620.00 (+0.54%) Homeowner's exemption
2025	$2,606.00 (+14.8%) Homeowner's exemption	$231,100 (+8.29%) Land $7,700 Building $223,400	$231,100 (+8.29%) Land $7,700 Building $223,400
2024	$2,270.00 (-17.51%)	$213,400 Land $8,200 Building $205,200	$213,400 Land $8,200 Building $205,200
2023	$2,752.00
2022		$182,500 (+24.15%) Land $7,600 Building $174,900	$182,500 (+24.15%) Land $7,600 Building $174,900
2021		$147,000 Land $6,100 Building $140,900	$147,000 Land $6,100 Building $140,900

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

Flood

FEMA maps place 4131 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 4131 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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