4305 W 5th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4305 W 5th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,186 sqft · built 1914
Lot Size	0.105 acres (4,574 sqft)
Owner	Individual Name on File
Tax Bill	$1,928 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2030-01700`

Property Details

APN / Parcel Number

Primary APN	`010-2030-01700`
Alternative APN	`1071519`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,186 sqft Gross Area
1st Floor Area	724 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	4,574 sqft (0.105 acres)
Garage Area	336 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	120 sqft
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1071519
Street Address	4305 W 5TH ST
City	DULUTH
State	MN
Zip	55807-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 35 FT OF W 40 FT SERIAL #
Legal Subdivision	HALLS ADD TO ONEOTA DULUTH
Legal Block	9
Legal Lot Number	15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4005
Census Tract	15800

Owner

4305 W 5th St is owned and occupied by an individual who acquired it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	4305 W 5TH ST, DULUTH, MN 55807-1427
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
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FINANCE INC
Jun 4, 2019	Quit Claim Deed, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 17, 2019
Transfer Doc	0001355976
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4305 W 5TH ST, DULUTH, MN 55807-1427
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001434864
Date	Jan 10, 2022
Instrument	1434864

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

June 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 4, 2019
Property Address	4305 W 5TH ST, DULUTH, MN 55807-1427
Document Number	00A1355976
Instrument Date	May 17, 2019
Instrument	A1355976
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	CLOSING USA LLC

Transaction

Amount	Amount on Record
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4305 W 5TH ST DULUTH MN 558071427, DULUTH, MN 55807-1427

Mortgage

Document Number	A1355977
Date	Jun 4, 2019
Instrument	A1355977

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jun 3, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 4305 W 5th St was $1,928 with a homeowner's exemption, down 20.7% 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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,928.00 (-20.72%) Homeowner's exemption
2025	$2,432.00 (+28.27%) Homeowner's exemption	$180,200 (+7.78%) Land $11,800 Building $168,400	$180,200 (+7.78%) Land $11,800 Building $168,400
2024	$1,896.00	$167,200 Land $12,600 Building $154,600	$167,200 Land $12,600 Building $154,600
2022		$143,700 Land $11,600 Building $132,100	$143,700 Land $11,600 Building $132,100

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

Flood

FEMA maps place 4305 W 5th 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 4305 W 5th 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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