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4505 Jay St, Duluth, MN 55804 Property Records

St. Louis County property record for 4505 Jay St, Duluth, MN 55804 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1930
Square Footage829 sqft Gross Area
Lot Size7,003 sqft (0.16 acres)
OccupancyOwner Occupied
Last Sale$270,000 (2024)
Tax Bill$3,398.00 (2026)

Property Details

APN / Parcel Number

Primary APN010-3030-04520
Alternative APNs
  • 1125551
  • 1138368
  • 1171609

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area829 sqft Gross Area
1st Floor829 sqft 1st Floor
Basement Area322 sqft Basement
Finished Basement322 sqft Finished
Stories1 Stories

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Architectural StyleRanch Style
Exterior MaterialMetal Exterior
Construction TypeFrame Construction
Roof ConstructionGable Roof Construction
Lot Area7,003 sqft (0.16 acres)

Exterior Amenities

Pool TypeSpa/Hot Tub (Only) Pool Type
Porch Area54 sqft Porch
SaunaSauna
Storage Building70 sqft Storage Building

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating
Heating FuelGas Heating Fuel
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Account Number1171609
Street Address4505 JAY ST
CityDULUTH
StateMN
Zip55804-1550
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT: 15 BLOCK:099 SERIAL #
Legal SubdivisionLONDON ADDITION
Legal Block99
Legal Lot Number15
JurisdictionST LOUIS MN
Minor Civil DivisionDULUTH
Census Blockgroup2
Census Block2002
Census Tract600

Owner

Source: St. Louis County records · APN 010-3030-04520

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 Record2 Individual Names on File
Mailing Address4505 JAY ST, DULUTH, MN 55804-1550
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 11, 2022Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMEOWNERS FINANCIAL GROUP USA LLC
Nov 10, 2020Deed of Trust, Mortgage
NATIONAL BK/CMRC
Aug 16, 2020Loan Modification, Mortgage
NATIONAL BK/CMRC
Sep 13, 2019Warranty Deed, Construction Loan · Building or Construction Mortgage
REPUBLIC BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 13, 2024 · Amount on Record
Deed SaleSep 13, 2024 · Amount on Record
Prior SaleOct 11, 2022 · Amount on Record
Deed Doc Number20241495464
Record RefreshedSep 20, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateOct 11, 2022
Property Address4505 JAY ST, DULUTH, MN 55804-1550
Document Number0001453862
Instrument DateOct 02, 2022
Instrument1453862
Transaction TypeTransfer
Record UpdatedNov 24, 2022
Title CompanyNORTH SHORE TITLE

Transaction

AmountAmount Recorded
Tax$808.50
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4505 JAY ST, DULUTH, MN 55804-1550

Mortgage

Document Number0001453863
DateOct 11, 2022
Instrument1453863
Lender
NameHOMEOWNERS FINANCIAL GROUP USA LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2052

Mortgage

Document Number0001453864
DateOct 11, 2022
Instrument1453864
Lender
NameHOMEOWNERS FINANCIAL GROUP USA LLC
TypeMortgage Company
AddressSCOTTSDALE, AZ 85254
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term121 Months
DueNov 01, 2032

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4505 JAY ST, DULUTH, MN 55804-1550
Document Number00A1397947
Instrument DateNov 10, 2020
Transaction TypeMortgage
Record UpdatedJan 11, 2021
Title CompanySTATE LOUIS TITLE LLC, ST LOUIS TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address4505 JAY ST DULUTH MN 558041550, DULUTH, MN 55804-1550

Mortgage

Document Number00A1397947
DateDec 08, 2020
InstrumentA1397947
Lender
NameNATIONAL BK/CMRC
AddressSUPERIOR, WI 54880
Agreement
AmountAmount Recorded
Term360 Months
DueDec 07, 2050

August 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST LOUIS MN
Property Address4505 JAY ST, DULUTH, MN 55804-1550
Document Number00A1389003
Instrument DateAug 16, 2020
Transaction TypeMortgage
Record UpdatedOct 02, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4505 JAY ST DULUTH MN 558041550, DULUTH, MN 55804-1550

Mortgage

Document Number00A1389003
DateAug 27, 2020
InstrumentA1389003
Lender
NameNATIONAL BK/CMRC
AddressDULUTH, MN 55802
Agreement
AmountAmount Recorded
Term12 Months
DueAug 26, 2021

September 2019: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateSep 13, 2019
Property Address4505 JAY ST, DULUTH, MN 55804-1550
Document Number00A1363223
Instrument DateAug 18, 2019
InstrumentA1363223
Transaction TypeConstruction Loan
Record UpdatedSep 27, 2019
Title CompanyOTHER

Transaction

AmountAmount Recorded
Tax$1.71
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4505 JAY ST DULUTH MN 558041550, DULUTH, MN 55804-1550

Mortgage

Document NumberA1363224
DateSep 13, 2019
InstrumentA1363224
Lender
NameREPUBLIC BK
TypeBank
AddressDULUTH, MN 55802
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term12 Months
DueSep 12, 2020

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityDuluth City
Unified School DistrictDuluth 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.

YearTax BillAssessed ValueAssessed Market Value
2026$3,398.00 (+7.26%) Homeowner's exemption
2025$3,168.00 (+4.55%) Homeowner's exemption$267,600 (+6.4%) Land $47,900 Building $219,700$267,600 (+6.4%) Land $47,900 Building $219,700
2024$3,030.00$251,500 (+33.99%) Land $46,200 Building $205,300$251,500 (+33.99%) Land $46,200 Building $205,300
2022$187,700 Land $35,600 Building $152,100$187,700 Land $35,600 Building $152,100

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