4312 W 5th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4312 W 5th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,199 sqft · built 1947
Lot Size	0.151 acres (6,615 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Oct 2025)
Tax Bill	$2,890 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-2030-01460`

Property Details

APN / Parcel Number

Primary APN	`010-2030-01460`
Alternative APNs	`1131318` `1189049`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,199 sqft Gross Area
1st Floor Area	815 sqft
Basement Area	576 sqft
Finished Basement	576 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,615 sqft (0.151 acres)
Garage Area	576 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1189049
Street Address	4312 W 5TH ST
City	DULUTH
State	MN
Zip	55807-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC LOT 6 BLK 83 ONEOTA SERIAL #
Legal Subdivision	HALLS ADD TO ONEOTA DULUTH
Legal Block	8
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4010
Census Tract	15800

Owner

4312 W 5th St is owned and occupied by two individuals who bought it in October 2025.

Source: St. Louis County records, as of August 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4312 W 5TH ST, DULUTH, MN 55807-1428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 7, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Oct 7, 2025	Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jun 7, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 17, 2020	Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on File
Deed Sale	Oct 7, 2025 · Amount on File
Prior Sale	Jun 7, 2022 · Amount on File
Deed Document Number	20251094921
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 7, 2025
Property Address	4312 W 5TH ST, DULUTH, MN 55807-1428
Document Number	0001094921
Instrument Date	Sep 18, 2025
Instrument	1094921
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
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	4312 W 5TH ST, DULUTH, MN 55807-1428

Mortgage

Document Number	0001094922
Date	Oct 7, 2025
Instrument	1094922

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 7, 2025
Property Address	4312 W 5TH ST, DULUTH, MN 55807-1428
Document Number	0001094920
Instrument Date	Sep 18, 2025
Instrument	1094920
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 7, 2022
Property Address	4312 W 5TH ST, DULUTH, MN 55807-1428
Document Number	0001057420
Instrument Date	May 27, 2022
Instrument	1057420
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$732.60
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	971 38TH LN, ANOKA, MN 55303-1273

Mortgage

Document Number	0001057421
Date	Jun 7, 2022
Instrument	1057421

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 17, 2020
Property Address	4312 W 5TH ST, DULUTH, MN 55807-1428
Document Number	00T1022483
Instrument Date	Apr 10, 2020
Instrument	T1022483
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 W 5TH ST DULUTH MN 558071428, DULUTH, MN 55807-1428

Mortgage

Document Number	T1022484
Date	Apr 17, 2020
Instrument	T1022484

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4312 W 5TH ST, DULUTH, MN 55807-1428
Document Number	00T1020192
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 W 5TH ST DULUTH MN 558071428, DULUTH, MN 55807-1428

Mortgage

Document Number	00T1020192
Date	Feb 3, 2020
Instrument	T1020192

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 2, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 4312 W 5th St was $2,890 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	$2,890.00 (+0.35%) Homeowner's exemption
2025	$2,880.00 (+2.71%) Homeowner's exemption	$252,700 (+8.88%) Land $17,100 Building $235,600	$252,700 (+8.88%) Land $17,100 Building $235,600
2024	$2,804.00	$232,100 Land $18,200 Building $213,900	$232,100 Land $18,200 Building $213,900
2022		$189,800 Land $16,800 Building $173,000	$189,800 Land $16,800 Building $173,000

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

Flood

FEMA maps place 4312 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 4312 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.

Nearby Properties on W 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures