4323 Tarnowski Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4323 Tarnowski Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	3 bd · 1.75 ba · 1,155 sqft · built 1972
Lot Size	1.25 acres (54,710 sqft)
Owner	2 Company Names on File
Last Sale	$290,000 (May 2015)
Tax Bill	$4,282 (2026)
Deeds & Mortgages	Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`375-0110-00100`

Property Details

APN / Parcel Number

Primary APN	`375-0110-00100`
Alternative APNs	`1183984` `989360`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,155 sqft Gross Area
1st Floor Area	144 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	54,710 sqft (1.25 acres)
Garage Area	912 sqft

Exterior Amenities

Porch	Slab
Porch Area	174 sqft
Deck Area	36 sqft
Storage Building	126 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1183984
Street Address	4323 TARNOWSKI RD
City	DULUTH
State	MN
Zip	55803-9239
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOTS 10 AND 11 SERIAL #
Legal Subdivision	TARNOWSKI BEACH
Legal Lot Number	10-11
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 375-0110-00100

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	2 Company Names on File
Mailing Address	4323 TARNOWSKI RD, DULUTH, MN 55803-9239
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 27, 2015 · Amount on Record
Deed Sale	May 27, 2015 · Amount on Record
Deed Document Number	20151261241
Prior Transfer Date	Oct 12, 2010
Prior Transfer Doc	0001146447
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4323 TARNOWSKI RD, DULUTH, MN 55803-9239
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001353691
Date	Apr 25, 2019
Instrument	1353691

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 29, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,282.00 (+7.91%) Homeowner's exemption
2025	$3,968.00 (-0.5%) Homeowner's exemption	$552,500 (+41.74%) Land $169,700 Building $382,800	$552,500 (+41.74%) Land $169,700 Building $382,800
2024	$3,988.00	$389,800 (+4.93%) Land $195,200 Building $194,600	$389,800 (+4.93%) Land $195,200 Building $194,600
2022		$371,500 Land $185,800 Building $185,700	$371,500 Land $185,800 Building $185,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370106012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 4 individual NFIP policies nearby
Nearby Flood Policies	4 in force 2 of 4 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 10,000 per year
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.