4335 Tarnowski Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4335 Tarnowski Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.25 ba · 1,064 sqft · built 1996
Lot Size	2.03 acres (88,845 sqft)
Owner	Individual Name on File
Tax Bill	$5,300 (2026)
Deeds & Mortgages	May 2021 Mortgage Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`375-0110-00140`

Property Details

APN / Parcel Number

Primary APN	`375-0110-00140`
Alternative APN	`845748`

Interior

Bedrooms	2 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,064 sqft Gross Area
1st Floor Area	1,064 sqft
Basement Area	968 sqft
Finished Basement	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Lot Area	88,845 sqft (2.03 acres)
Garage Area	864 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Deck Area	60 sqft
Patio Area	160 sqft
Cabin	280 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	845748
Street Address	4335 TARNOWSKI RD
City	DULUTH
State	MN
Zip	55803-9239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOTS 14 15 & 16 SERIAL #
Legal Subdivision	TARNOWSKI BEACH
Legal Lot Number	14-16
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 375-0110-00140

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	4335 TARNOWSKI RD, DULUTH, MN 55803-9239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MINNESOTA POWER EMPLOYEES CU
Dec 04, 2018	Deed of Trust, Mortgage · Line of Credit MINNESOTA POWER EMPS CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Mar 02, 2004
Transfer Doc	0000936826
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4335 TARNOWSKI RD, DULUTH, MN 55803-9239
Transaction Type	Mortgage
Record Updated	Jun 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001415257
Date	May 28, 2021
Instrument	1415257

Lender

Name	MINNESOTA POWER EMPLOYEES CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 17, 2041

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4335 TARNOWSKI RD, DULUTH, MN 55803-9239
Document Number	00A1347532
Instrument Date	Dec 04, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4335 TARNOWSKI RD DULUTH MN 558039239, DULUTH, MN 55803-9239

Mortgage

Document Number	00A1347532
Date	Jan 02, 2019
Instrument	A1347532

Lender

Name	MINNESOTA POWER EMPS CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 01, 2039

Interest

Rate Type	Adjustable Rate

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	$5,300.00 (+7.81%) Homeowner's exemption
2025	$4,916.00 (+1.99%) Homeowner's exemption	$603,100 (+27.16%) Land $203,300 Building $399,800	$603,100 (+27.16%) Land $203,300 Building $399,800
2024	$4,820.00	$474,300 (+6.46%) Land $240,100 Building $234,200	$474,300 (+6.46%) Land $240,100 Building $234,200
2022		$445,500 Land $228,500 Building $217,000	$445,500 Land $228,500 Building $217,000

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 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 37 locations within half a mile of this property.

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