4420 Cambridge St, Duluth, MN 55804 Property Records

St. Louis County property record for 4420 Cambridge St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1923
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Jun 2026)
Tax Bill	$3,300 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2990-00050`

Property Details

APN / Parcel Number

Primary APN	`010-2990-00050`
Alternative APNs	`1079232` `1153539`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	924 sqft Gross Area
1st Floor Area	528 sqft
Basement Area	161 sqft
Finished Basement	161 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	91 sqft
Deck Area	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1153539
Street Address	4420 CAMBRIDGE ST
City	DULUTH
State	MN
Zip	55804-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0005 BLOCK:019 SERIAL #
Legal Subdivision	LONDON ADDITION TO DULUTH
Legal Block	19
Legal Lot Number	5
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	4420 CAMBRIDGE ST, DULUTH, MN 55804-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Aug 23, 2023	Warranty Deed, Transfer · VA Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2026 · Amount on Record
Deed Sale	Jun 3, 2026 · Amount on Record
Prior Sale	Aug 23, 2023 · Amount on Record
Deed Document Number	20261533611
Prior Transfer Date	Sep 19, 2005
Prior Transfer Doc	0000996547
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 3, 2026
Property Address	4420 CAMBRIDGE ST, DULUTH, MN 55804-2106
Document Number	0001533611
Instrument Date	May 5, 2026
Instrument	20261533611
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98,323.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4420 CAMBRIDGE ST, DULUTH, MN 55804-2106

Mortgage

Document Number	0001533612,
Date	Jun 3, 2026
Instrument	20261533612

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 23, 2023
Property Address	4420 CAMBRIDGE ST, DULUTH, MN 55804-2106
Document Number	0001472609
Instrument Date	Aug 11, 2023
Instrument	1472609
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4420 CAMBRIDGE ST, DULUTH, MN 55804-2106

Mortgage

Document Number	0001472610
Date	Aug 23, 2023
Instrument	1472610

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

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	$3,300.00 (+6.59%)
2025	$3,096.00 (-0.13%)	$238,600 (+6.14%) Land $47,800 Building $190,800	$238,600 (+6.14%) Land $47,800 Building $190,800
2024	$3,100.00 (+4.03%)	$224,800 (+5.05%) Land $46,100 Building $178,700	$224,800 (+5.05%) Land $46,100 Building $178,700
2023	$2,980.00 Homeowner's exemption
2022		$214,000 (+20.97%) Land $35,500 Building $178,500	$214,000 (+20.97%) Land $35,500 Building $178,500
2021		$176,900 Land $29,300 Building $147,600	$176,900 Land $29,300 Building $147,600

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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