4132 Hemlock Dr, Duluth, MN 55803 Property Records

St. Louis County property record for 4132 Hemlock Dr, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,280 sqft · built 2003
Lot Size	0.964 acres (41,997 sqft)
Owner	Individual Name on Record
Last Sale	$241,000 (Sep 2019)
Tax Bill	$3,404 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`375-0130-02610`

Property Details

APN / Parcel Number

Primary APN	`375-0130-02610`
Alternative APN	`1077545`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,280 sqft Gross Area
1st Floor Area	1,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	41,997 sqft (0.964 acres)
Garage Area	672 sqft
Patio Area	112 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1077545
Street Address	4132 HEMLOCK DR
City	DULUTH
State	MN
Zip	55803-9322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	LOTS 260 THROUGH 280 SERIAL #
Legal Subdivision	WOODLAND BEACH
Legal Lot Number	260-280
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2003
Census Tract	10601

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	4132 HEMLOCK DR, DULUTH, MN 55803-9322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHSTAR CREDIT UNION
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH STAR CU
Sep 17, 2019	Warranty Deed, Transfer · Conventional Mortgage NORTH STAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2019 · Amount on Record
Deed Sale	Sep 17, 2019 · Amount on Record
Prior Sale	May 26, 2015 · Amount on Record
Deed Document Number	20191363455
Last Transfer Date	Dec 12, 2023
Transfer Doc	0001479617
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 24, 2026
Property Address	4132 HEMLOCK DR, DULUTH, MN 55803-9322
Document Number	0001534831
Instrument Date	Apr 27, 2026
Instrument	20261534831
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4132 HEMLOCK DR, DULUTH, MN 55803-9322

Mortgage

Document Number	0001534831,
Date	Jun 24, 2026
Instrument	20261534831

Lender

Name	NORTHSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 1, 2031

Interest

Rate	6.38%
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4132 HEMLOCK DR, DULUTH, MN 55803-9322
Document Number	00A1377643
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4132 HEMLOCK DR DULUTH MN 558039322, DULUTH, MN 55803-9322

Mortgage

Document Number	00A1377643
Date	Apr 20, 2020
Instrument	A1377643

Lender

Name	NORTH STAR CU
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 19, 2030

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 17, 2019
Property Address	4132 HEMLOCK DR, DULUTH, MN 55803-9322
Document Number	00A1363455
Instrument Date	Sep 13, 2019
Instrument	A1363455
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795.30
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4132 HEMLOCK DR DULUTH MN 558039322, DULUTH, MN 55803-9322

Mortgage

Document Number	A1363456
Date	Sep 17, 2019
Instrument	A1363456

Lender

Name	NORTH STAR CU
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Gnesen Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,404.00 (+6.84%) Homeowner's exemption
2025	$3,186.00 (+8.81%) Homeowner's exemption	$318,700 (+0.28%) Land $35,800 Building $282,900	$318,700 (+0.28%) Land $35,800 Building $282,900
2024	$2,928.00	$317,800 (+30.51%) Land $41,000 Building $276,800	$317,800 (+30.51%) Land $41,000 Building $276,800
2022		$243,500 Land $38,900 Building $204,600	$243,500 Land $38,900 Building $204,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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