4223 W 5th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4223 W 5th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,142 sqft · built 1919
Lot Size	0.113 acres (4,944 sqft)
Owner	Individual Name on Record
Last Sale	$206,000 (Jun 2026)
Tax Bill	$3,180 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2030-01290`

Property Details

APN / Parcel Number

Primary APN	`010-2030-01290`
Alternative APN	`657878`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,142 sqft Gross Area
1st Floor Area	674 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,944 sqft (0.113 acres)
Garage Area	768 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	288 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	657878
Street Address	4223 W 5TH ST
City	DULUTH
State	MN
Zip	55807-1509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTERLY 37 1/2 FEET OF LOT 11, BLOCK 7 SERIAL #
Legal Subdivision	HALLS ADD TO ONEOTA DULUTH
Legal Block	7
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3011
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	4223 W 5TH ST, DULUTH, MN 55807-1509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage HERMANTOWN FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Apr 3, 2001 · Amount on Record
Deed Document Number	20261102964
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 29, 2026
Property Address	4223 W 5TH ST, DULUTH, MN 55807-1509
Document Number	0001102964
Instrument Date	Jun 18, 2026
Instrument	20261102964
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,659.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4223 W 5TH ST, DULUTH, MN 55807-1509

Mortgage

Document Number	0001102965,
Date	Jun 29, 2026
Instrument	20261102965

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4223 W 5TH ST, DULUTH, MN 55807-1509
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001056022
Date	Apr 28, 2022
Instrument	1056022

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	18.5%

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	$3,180.00 (+0.76%) Homeowner's exemption
2025	$3,156.00 (+2.47%) Homeowner's exemption	$221,600 (+7.78%) Land $12,700 Building $208,900	$221,600 (+7.78%) Land $12,700 Building $208,900
2024	$3,080.00	$205,600 (+12.35%) Land $13,600 Building $192,000	$205,600 (+12.35%) Land $13,600 Building $192,000
2022		$183,000 Land $12,500 Building $170,500	$183,000 Land $12,500 Building $170,500

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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