4220 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4220 W 4th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,308 sqft · built 1912
Lot Size	0.114 acres (4,984 sqft)
Owner	Individual Name on File
Tax Bill	$2,284 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3400-00030`

Property Details

APN / Parcel Number

Primary APN	`010-3400-00030`
Alternative APN	`97219`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,308 sqft Gross Area
1st Floor Area	768 sqft
Basement Area	384 sqft
Finished Basement	384 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	4,984 sqft (0.114 acres)
Garage Area	384 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	52 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	97219
Street Address	4220 W 4TH ST
City	DULUTH
State	MN
Zip	55807-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 12 1/2 FT OF LOT 6 AND ALL OF LOT 7INC ELY 12 1/2 FT OF LOT 3 AND WLY 25 FTOF LOT 4 BLK 79 ONEOTA SERIAL #
Legal Subdivision	ONEOTA
Legal Block	1
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3014
Census Tract	15800

Owner

4220 W 4th St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	4220 W 4TH ST, DULUTH, MN 55807-1548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Sep 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4220 W 4TH ST, DULUTH, MN 55807-1548
Transaction Type	Mortgage
Record Updated	Feb 1, 2022
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001050157
Date	Dec 1, 2021
Instrument	1050157

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Nov 17, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4220 W 4TH ST, DULUTH, MN 55807-1548
Document Number	000T990220
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4220 W 4TH ST DULUTH MN 558071548, DULUTH, MN 55807-1548

Mortgage

Document Number	000T990220
Date	Sep 27, 2017
Instrument	T990220

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 26, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 4220 W 4th St was $2,284 with a homeowner's exemption, up 0.3% 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	$2,284.00 (+0.26%) Homeowner's exemption
2025	$2,278.00 (+2.15%) Homeowner's exemption	$206,000 (+7.74%) Land $12,800 Building $193,200	$206,000 (+7.74%) Land $12,800 Building $193,200
2024	$2,230.00	$191,200 Land $13,700 Building $177,500	$191,200 Land $13,700 Building $177,500
2022		$174,800 Land $12,600 Building $162,200	$174,800 Land $12,600 Building $162,200

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

Flood

FEMA maps place 4220 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 4220 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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