4428 Cambridge St, Duluth, MN 55804 Property Records

St. Louis County property record for 4428 Cambridge St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,316 sqft · built 1923
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Nov 2019)
Tax Bill	$3,382 (2026)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2990-00070`

Property Details

APN / Parcel Number

Primary APN	`010-2990-00070`
Alternative APN	`1081305`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,316 sqft Gross Area
1st Floor Area	692 sqft
Basement Area	312 sqft
Finished Basement	312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	400 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	78 sqft
Deck Area	236 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1081305
Street Address	4428 CAMBRIDGE ST
City	DULUTH
State	MN
Zip	55804-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0007 BLOCK:019 SERIAL #
Legal Subdivision	LONDON ADDITION
Legal Block	19
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5014
Census Tract	600

Owner

Source: St. Louis County records · APN 010-2990-00070

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	4428 CAMBRIDGE ST, DULUTH, MN 55804-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 19, 2019 · Amount on Record
Deed Sale	Nov 19, 2019 · Amount on Record
Prior Sale	Oct 03, 2001 · Amount on Record
Deed Document Number	20191367836
Prior Transfer Date	Nov 12, 2019
Prior Transfer Doc	0001367834
Record Updated	Sep 20, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 19, 2019
Property Address	4428 CAMBRIDGE ST, DULUTH, MN 55804-2106
Document Number	00A1367836
Instrument Date	Nov 12, 2019
Instrument	A1367836
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$646.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4428 CAMBRIDGE ST DULUTH MN 558042106, DULUTH, MN 55804-2106

Mortgage

Document Number	A1367837
Date	Nov 19, 2019
Instrument	A1367837

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2049

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
Municipality	Duluth City
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	$3,382.00 (+7.23%) Homeowner's exemption
2025	$3,154.00 (-5.06%) Homeowner's exemption	$266,300 (+6.26%) Land $47,800 Building $218,500	$266,300 (+6.26%) Land $47,800 Building $218,500
2024	$3,322.00	$250,600 (+10.15%) Land $46,100 Building $204,500	$250,600 (+10.15%) Land $46,100 Building $204,500
2022		$227,500 Land $35,500 Building $192,000	$227,500 Land $35,500 Building $192,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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; 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)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 328 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1690011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Duluth serves 86,859 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.