4431 Gladstone St, Duluth, MN 55804 Property Records

St. Louis County property record for 4431 Gladstone St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,032 sqft · built 1901
Lot Size	0.16 acres (7,003 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Aug 2023)
Tax Bill	$3,062 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3010-05410`

Property Details

APN / Parcel Number

Primary APN	`010-3010-05410`
Alternative APNs	`1075073` `1153385`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,032 sqft Gross Area
1st Floor Area	624 sqft
Basement Area	187 sqft
Finished Basement	187 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,003 sqft (0.16 acres)
Garage Area	780 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	252 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1153385
Street Address	4431 GLADSTONE ST
City	DULUTH
State	MN
Zip	55804-1928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0009 BLOCK:061 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	61
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3023
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	4431 GLADSTONE ST, DULUTH, MN 55804-1928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Aug 2, 2019	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2023 · Amount on Record
Deed Sale	Aug 18, 2023 · Amount on Record
Prior Sale	Aug 2, 2019 · Amount on Record
Deed Document Number	20231472389
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 18, 2023
Property Address	4431 GLADSTONE ST, DULUTH, MN 55804-1928
Document Number	0001472389
Instrument Date	Aug 10, 2023
Instrument	1472389
Transaction Type	Transfer
Record Updated	Sep 19, 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	$838.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4431 GLADSTONE ST, DULUTH, MN 55804-1928

Mortgage

Document Number	0001472390
Date	Aug 18, 2023
Instrument	1472390

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 2, 2019
Property Address	4431 GLADSTONE ST, DULUTH, MN 55804-1928
Document Number	00A1359934
Instrument Date	Aug 1, 2019
Instrument	A1359934
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.70
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	4431 GLADSTONE ST DULUTH MN 558041928, DULUTH, MN 55804-1928

Mortgage

Document Number	A1359935
Date	Aug 2, 2019
Instrument	A1359935

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

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	$3,062.00 (+7.21%) Homeowner's exemption
2025	$2,856.00 (+8.84%) Homeowner's exemption	$244,700 (+6.21%) Land $47,900 Building $196,800	$244,700 (+6.21%) Land $47,900 Building $196,800
2024	$2,624.00 (+4.29%)	$230,400 (+24.41%) Land $46,200 Building $184,200	$230,400 (+24.41%) Land $46,200 Building $184,200
2023	$2,516.00 Homeowner's exemption
2022		$185,200 (+20.89%) Land $35,600 Building $149,600	$185,200 (+20.89%) Land $35,600 Building $149,600
2021		$153,200 Land $29,400 Building $123,800	$153,200 Land $29,400 Building $123,800

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 · 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.

Wildfire

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.

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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