4181 Jefferson Dr, Duluth, MN 55811 Property Records

St. Louis County property record for 4181 Jefferson Dr, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,204 sqft · built 2019
Lot Size	0.569 acres (24,802 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Oct 2018)
Tax Bill	$8,682 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`395-0193-00030`

Property Details

APN / Parcel Number

Primary APN	`395-0193-00030`
Alternative APNs	`1141779` `968154`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,204 sqft Gross Area
1st Floor Area	2,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Frame
Lot Area	24,802 sqft (0.569 acres)
Garage Area	1,040 sqft
Porch	Slab
Porch Area	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1141779
Street Address	4181 JEFFERSON DR
City	DULUTH
State	MN
Zip	55811-2689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLOCK 1 SERIAL #
Legal Subdivision	JACKSON ESTATES 4TH ADDITION
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	1
Census Block	1000
Census Tract	10302

Owner

4181 Jefferson Dr is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	4181 JEFFERSON DR, DULUTH, MN 55811-2689
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
Dec 1, 2020	Deed of Trust, Mortgage NORTH SHORE BK/COMMERCE
Oct 16, 2019	Deed of Trust, Mortgage NORTH SHORE BK/COMMERCE
Oct 22, 2018	Deed of Trust, Mortgage CENTRICITY CU
May 24, 2018	Loan Modification, Mortgage PARK ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2018 · Amount on File
Deed Sale	Oct 30, 2018 · Amount on File
Deed Document Number	20181343658
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4181 JEFFERSON DR, DULUTH, MN 55811-2689
Document Number	00A1398180
Instrument Date	Dec 1, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4181 JEFFERSON DR HERMANTOWN MN 558112689, HERMANTOWN, MN 55811-2689

Mortgage

Document Number	00A1398180
Date	Dec 10, 2020
Instrument	A1398180

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4181 JEFFERSON DR, DULUTH, MN 55811-2689
Document Number	00A1365591
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4181 JEFFERSON DR HERMANTOWN MN 55811, HERMANTOWN, MN 55811

Mortgage

Document Number	00A1365591
Date	Oct 17, 2019
Instrument	A1365591

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4181 JEFFERSON DR, DULUTH, MN 55811-2689
Document Number	00A1343659
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	JEFFERSON DR HERMANTOWN MN 55811, HERMANTOWN, MN 55811

Mortgage

Document Number	00A1343659
Date	Oct 30, 2018
Instrument	A1343659

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 29, 2033

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	4181 JEFFERSON DR, DULUTH, MN 55811-2689
Document Number	00A1333879
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	CONSOLIDATED TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	3850 OLD MIDWAY RD HERMANTOWN MN 558109728, HERMANTOWN, MN 55810-9728

Mortgage

Document Number	00A1333879
Date	Jun 1, 2018
Instrument	A1333879

Lender

Name	PARK ST BK
Type	Bank
Address	DULUTH, MN 55806

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 4181 Jefferson Dr was $8,682 with a homeowner's exemption, up 9.7% 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	Hermantown City
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,682.00 (+9.7%) Homeowner's exemption
2025	$7,914.00 (+1.7%) Homeowner's exemption	$652,100 (+15.83%) Land $87,900 Building $564,200	$652,100 (+15.83%) Land $87,900 Building $564,200
2024	$7,782.00	$563,000 Land $84,500 Building $478,500	$563,000 Land $84,500 Building $478,500
2022		$492,300 Land $62,800 Building $429,500	$492,300 Land $62,800 Building $429,500

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

Flood

FEMA maps place 4181 Jefferson Dr in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 4181 Jefferson Dr 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	Direct burnable vegetation

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	Hermantown serves 7,215 people · EPA ID MN1690043
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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