St. Louis County property record for 4431 Cooke St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,331 sqft · built 1917 |
| Lot Size | 0.16 acres (7,003 sqft) |
| Owner | Individual Name on File |
| Last Sale | $202,500 (Sep 2020) |
| Tax Bill | $3,684 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3030-00950 |
| Primary APN | 010-3030-00950 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,331 sqft Gross Area |
| 1st Floor Area | 616 sqft |
| Basement Area | 308 sqft |
| Finished Basement | 308 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1917 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,003 sqft (0.16 acres) |
| Garage Area | 384 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 133 sqft |
| Deck Area | 44 sqft |
| Patio Area | 462 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1096552 |
|---|---|
| Street Address | 4431 COOKE ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0009 BLOCK:075 SERIAL # |
| Legal Subdivision | LONDON ADD TO DULUTH |
| Legal Block | 75 |
| Legal Lot Number | 9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 600 |
Source: St. Louis County assessment roll, 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 File |
|---|---|
| Mailing Address | 4431 COOKE ST, DULUTH, MN 55804-1951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Sep 21, 2020 | Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE |
| Jul 24, 2017 | Grant Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 21, 2020 · Amount on Record |
| Deed Sale | Sep 21, 2020 · Amount on Record |
| Prior Sale | Jul 24, 2017 · Amount on Record |
| Deed Document Number | 20201390967 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4431 COOKE ST, DULUTH, MN 55804-1951 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4431 COOKE ST, DULUTH, MN 55804-1951 |
| Document Number | 0001467401 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 1467401 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | May 30, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 21, 2020 |
| Property Address | 4431 COOKE ST, DULUTH, MN 55804-1951 |
| Document Number | 00A1390967 |
| Instrument Date | Sep 1, 2020 |
| Instrument | A1390967 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $668.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4431 COOKE ST DULUTH MN 558041951, DULUTH, MN 55804-1951 |
| Document Number | A1390968 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | A1390968 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 24, 2017 |
| Property Address | 4431 COOKE ST, DULUTH, MN 55804-1951 |
| Document Number | 00A1313755 |
| Instrument Date | Jul 18, 2017 |
| Instrument | A1313755 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2017 |
| Title Company | CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE AND ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $557.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4431 COOKE ST DULUTH MN 558041951, DULUTH, MN 55804-1951 |
| Document Number | A1313756 |
|---|---|
| Date | Jul 24, 2017 |
| Instrument | A1313756 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2047 |
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 | $3,684.00 (+7.34%) Homeowner's exemption | ||
| 2025 | $3,432.00 (+12.52%) Homeowner's exemption | $286,600 (+6.35%) Land $47,900 Building $238,700 | $286,600 (+6.35%) Land $47,900 Building $238,700 |
| 2024 | $3,050.00 | $269,500 (+27.66%) Land $46,200 Building $223,300 | $269,500 (+27.66%) Land $46,200 Building $223,300 |
| 2022 | $211,100 Land $35,600 Building $175,500 | $211,100 Land $35,600 Building $175,500 |
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 |
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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