4412 Cambridge St, Duluth, MN 55804 Property Records

St. Louis County property record for 4412 Cambridge St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,707 sqft · built 1915
Lot Size	0.16 acres (6,985 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Oct 2023)
Tax Bill	$4,680 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2990-00030`

Property Details

APN / Parcel Number

Primary APN	`010-2990-00030`
Alternative APNs	`1156304` `91026`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,707 sqft Gross Area
1st Floor Area	1,226 sqft
Basement Area	313 sqft
Finished Basement	313 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,985 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	76 sqft
Deck Area	88 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1156304
Street Address	4412 CAMBRIDGE ST
City	DULUTH
State	MN
Zip	55804-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0003 BLOCK:019 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	19
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5014
Census Tract	600

Owner

Source: St. Louis County records, as of August 17, 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 Record
Mailing Address	4412 CAMBRIDGE ST, DULUTH, MN 55804-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Oct 13, 2023	Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Deed Document Number	20231476050
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 13, 2023
Property Address	4412 CAMBRIDGE ST, DULUTH, MN 55804-2106
Document Number	0001476050
Instrument Date	Sep 25, 2023
Instrument	1476050
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.50
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	4412 CAMBRIDGE ST, DULUTH, MN 55804-2106

Mortgage

Document Number	0001476051
Date	Oct 13, 2023
Instrument	1476051

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	7.99%
Index	1-Year T-Bill
Max Rate	10.9%

October 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 13, 2023
Property Address	4412 CAMBRIDGE ST, DULUTH, MN 55804-2106
Document Number	0001476049
Instrument Date	Sep 25, 2023
Instrument	1476049
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4412 CAMBRIDGE ST, DULUTH, MN 55804-2106
Mail Care Of	NICOLE DEAN

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4412 CAMBRIDGE ST, DULUTH, MN 55804-2106
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001418778
Date	Jul 12, 2021
Instrument	1418778

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2026
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	Prime Rate
Margin	1
Max Rate	10.2%

Tax Assessment & Valuation

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	$4,680.00 (+7.29%) Homeowner's exemption
2025	$4,362.00 (+8.13%) Homeowner's exemption	$353,900 (+6.44%) Land $47,700 Building $306,200	$353,900 (+6.44%) Land $47,700 Building $306,200
2024		$332,500 (+19.05%) Land $45,800 Building $286,700	$332,500 (+19.05%) Land $45,800 Building $286,700
2023	$4,034.00 Homeowner's exemption
2022		$279,300 Land $35,300 Building $244,000	$279,300 Land $35,300 Building $244,000

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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