St. Louis County property record for 4428 Cooke St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,408 sqft · built 1914 |
| Lot Size | 0.16 acres (7,003 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $500 (May 2022) |
| Tax Bill | $3,602 (2026) |
| Deeds & Mortgages | Aug 2026 Sale Aug 2026 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3010-05390 |
| Primary APN | 010-3010-05390 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,408 sqft Gross Area |
| 1st Floor Area | 832 sqft |
| Basement Area | 208 sqft |
| Finished Basement | 208 sqft |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1914 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,003 sqft (0.16 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 216 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 1197602 |
|---|---|
| Street Address | 4428 COOKE ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0007 BLOCK:061 SERIAL # |
| Legal Subdivision | LONDON ADDITION |
| Legal Block | 61 |
| Legal Lot Number | 7 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 600 |
Source: St. Louis County records, as of August 25, 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 Record |
|---|---|
| Mailing Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Aug 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit HARBOR CREDIT UNION |
| May 20, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| May 20, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage NORTH SHORE BANK OF COMMERCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2022 · Amount on Record |
| Deed Sale | May 20, 2022 · Amount on Record |
| Prior Sale | Sep 26, 2011 · Amount on Record |
| Deed Document Number | 20221443468 |
| Prior Transfer Date | May 13, 2022 |
| Prior Transfer Doc | 0001443468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 10, 2026 |
| Property Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Number | 0001538098 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 20261538098 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 10, 2026 |
| Property Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Number | 0001538097 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 20261538097 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 7, 2026 |
| Property Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Number | 0001535740 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 20261535740 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Number | 0001535740, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 20261535740 |
| Name | HARBOR CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 25, 2041 |
| Rate | 5.87% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 20, 2026 |
| Property Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Number | 0001532925 |
| Instrument Date | May 12, 2026 |
| Instrument | 20261532925 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 20, 2022 |
| Property Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Number | 0001443468 |
| Instrument Date | May 4, 2022 |
| Instrument | 1443468 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Title Company | NORTH SHORE TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4428 COOKE ST, DULUTH, MN 55804-1950 |
| Document Number | 0001443469 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 1443469 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,602.00 (+7.27%) Homeowner's exemption | ||
| 2025 | $3,358.00 (-3.51%) Homeowner's exemption | $281,100 (+6.32%) Land $47,900 Building $233,200 | $281,100 (+6.32%) Land $47,900 Building $233,200 |
| 2024 | $3,480.00 | $264,400 (+11.56%) Land $46,200 Building $218,200 | $264,400 (+11.56%) Land $46,200 Building $218,200 |
| 2022 | $237,000 Land $35,600 Building $201,400 | $237,000 Land $35,600 Building $201,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2012) |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 540 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
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