4305 Tarnowski Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4305 Tarnowski Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.25 ba · 998 sqft · built 1950
Lot Size	0.365 acres (15,940 sqft)
Owner	Individual Name on File
Last Sale	$462,000 (Aug 2023)
Tax Bill	$3,314 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`375-0110-00040`

Property Details

APN / Parcel Number

Primary APN	`375-0110-00040`
Alternative APNs	`1076170` `1153351`

Interior

Bedrooms	2 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	998 sqft Gross Area
1st Floor Area	998 sqft
Basement Area	535 sqft
Finished Basement	535 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	15,940 sqft (0.365 acres)
Garage Area	528 sqft
Deck Area	192 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1153351
Street Address	4305 TARNOWSKI RD
City	DULUTH
State	MN
Zip	55803-9239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0004 BLOCK:000 SERIAL #
Legal Subdivision	TARNOWSKI BEACH
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2009
Census Tract	10601

Owner

Source: St. Louis County records · APN 375-0110-00040

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	4305 TARNOWSKI RD, DULUTH, MN 55803-9239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Aug 22, 2019	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 18, 2023 · Amount on Record
Deed Sale	Aug 18, 2023 · Amount on Record
Prior Sale	Aug 22, 2019 · Amount on Record
Deed Document Number	20231472333
Prior Transfer Date	Aug 16, 2023
Prior Transfer Doc	0001472335
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 18, 2023
Property Address	4305 TARNOWSKI RD, DULUTH, MN 55803-9239
Document Number	0001472333
Instrument Date	Aug 16, 2023
Instrument	1472333
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,524.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4305 TARNOWSKI RD, DULUTH, MN 55803-9239

Mortgage

Document Number	0001472334
Date	Aug 18, 2023
Instrument	1472334

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 22, 2019
Property Address	4305 TARNOWSKI RD, DULUTH, MN 55803-9239
Document Number	00A1361685
Instrument Date	Aug 07, 2019
Instrument	A1361685
Transaction Type	Transfer
Record Updated	Sep 03, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$940.17
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4305 TARNOWSKI RD DULUTH MN 558039239, DULUTH, MN 55803-9239

Mortgage

Document Number	A1361686
Date	Aug 22, 2019
Instrument	A1361686

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2049

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,314.00 (+7.39%)
2025	$3,086.00 (+26.48%)	$413,900 (+40.5%) Land $99,300 Building $314,600	$413,900 (+40.5%) Land $99,300 Building $314,600
2024	$2,440.00 (-5.86%)	$294,600 (+23.57%) Land $115,200 Building $179,400	$294,600 (+23.57%) Land $115,200 Building $179,400
2023	$2,592.00 Homeowner's exemption
2022		$238,400 (+16.69%) Land $109,800 Building $128,600	$238,400 (+16.69%) Land $109,800 Building $128,600
2021		$204,300 Land $93,000 Building $111,300	$204,300 Land $93,000 Building $111,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Consolidated Telephone Company Fiber	1,000 / 1,000

Based on FCC filings for 13 locations within half a mile of this property.

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