4314 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4314 W 4th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 874 sqft · built 1925
Lot Size	0.1 acres (4,396 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Oct 2025)
Tax Bill	$2,174 (2026)
Deeds & Mortgages	Aug 2026 Transfer Oct 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-3610-09180`

Property Details

APN / Parcel Number

Primary APN	`010-3610-09180`
Alternative APNs	`1092195` `1189879`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	874 sqft Gross Area
1st Floor Area	874 sqft
Basement Area	150 sqft
Finished Basement	150 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,396 sqft (0.1 acres)
Garage Area	352 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1189879
Street Address	4314 W 4TH ST
City	DULUTH
State	MN
Zip	55807-1445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 33 1/3 FT SERIAL #
Legal Subdivision	ONEOTA DULUTH
Legal Block	78
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4011
Census Tract	15800

Owner

4314 W 4th St is owned and occupied by an individual who acquired it in August 2026.

Source: St. Louis County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	4314 W 4TH ST, DULUTH, MN 55807-1445
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
Aug 5, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Oct 22, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FCU
Jul 10, 2020	Warranty Deed, Transfer · VA Mortgage NORTH SHORE BK/COMMERCE
Mar 19, 2018	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE
Nov 28, 2017	Warranty Deed, Transfer IRA #200359891
Nov 28, 2017	Affidavit of Death, Transfer NORTH SHORE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Prior Sale	Jul 10, 2020 · Amount on File
Deed Document Number	20251095442
Last Transfer Date	Aug 5, 2026
Transfer Doc	0001104477
Record Updated	Oct 29, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 5, 2026
Property Address	4314 W 4TH ST, DULUTH, MN 55807-1445
Document Number	0001104477
Instrument Date	Aug 5, 2026
Instrument	20261104477
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4314 W 4TH ST, DULUTH, MN 55807-1445

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 22, 2025
Property Address	4314 W 4TH ST, DULUTH, MN 55807-1445
Document Number	0001095442
Instrument Date	Oct 15, 2025
Instrument	1095442
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4314 W 4TH ST, DULUTH, MN 55807-1445

Mortgage

Document Number	0001095443
Date	Oct 22, 2025
Instrument	1095443

Lender

Name	NORTH SHORE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 15, 2045

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 10, 2020
Property Address	4314 W 4TH ST, DULUTH, MN 55807-1445
Document Number	00T1025672
Instrument Date	Jul 6, 2020
Instrument	T1025672
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$446.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4314 W 4TH ST DULUTH MN 558071445, DULUTH, MN 55807-1445

Mortgage

Document Number	T1025673
Date	Jul 10, 2020
Instrument	T1025673

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 19, 2018
Property Address	4314 W 4TH ST, DULUTH, MN 55807-1445
Document Number	000T996015
Instrument Date	Mar 16, 2018
Instrument	T996015
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$379.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4314 W 4TH ST DULUTH MN 558071445, DULUTH, MN 55807-1445

Mortgage

Document Number	T996016
Date	Mar 19, 2018
Instrument	T996016

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 28, 2017
Property Address	4314 W 4TH ST, DULUTH, MN 55807-1445
Document Number	000T992617
Instrument Date	Nov 17, 2017
Instrument	T992617
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 W CENTRAL ENTRANCE DULUTH MN 558113433, DULUTH, MN 55811-3433

Mortgage

Document Number	T992618
Date	Nov 28, 2017
Instrument	T992618

Lender

Name	IRA #200359891

Agreement

Amount	Amount on Record

November 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Nov 28, 2017
Property Address	4314 W 4TH ST, DULUTH, MN 55807-1445
Document Number	000T992616
Instrument Date	Nov 16, 2017
Instrument	T992616
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	NORTH SHORE TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 4314 W 4th St was $2,174 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	$2,174.00 (+0.28%) Homeowner's exemption
2025	$2,168.00 (+15.32%) Homeowner's exemption	$220,800 (+20.2%) Land $11,300 Building $209,500	$220,800 (+20.2%) Land $11,300 Building $209,500
2024	$1,880.00	$183,700 Land $12,100 Building $171,600	$183,700 Land $12,100 Building $171,600
2022		$138,200 Land $11,200 Building $127,000	$138,200 Land $11,200 Building $127,000

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

Flood

FEMA maps place 4314 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 4314 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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