4520 Gladstone St, Duluth, MN 55804 Property Records

St. Louis County property record for 4520 Gladstone St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,083 sqft · built 1911
Lot Size	0.241 acres (10,505 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Jun 2015)
Tax Bill	$2,922 (2026)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3010-03660`

Property Details

APN / Parcel Number

Primary APN	`010-3010-03660`
Alternative APN	`1132733`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,083 sqft Gross Area
1st Floor Area	1,083 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Lot Area	10,505 sqft (0.241 acres)
Garage Area	352 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	128 sqft
Deck Area	266 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1132733
Street Address	4520 GLADSTONE ST
City	DULUTH
State	MN
Zip	55804-2317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 AND WLY 1/2 OF LOT 7 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	51
Legal Lot Number	6-7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5004
Census Tract	600

Owner

Source: St. Louis County assessment roll, APN 010-3010-03660, as of 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	4520 GLADSTONE ST, DULUTH, MN 55804-2317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 09, 2015 · Amount on Record
Deed Sale	Jun 09, 2015 · Amount on Record
Prior Sale	Jun 27, 2012 · Amount on Record
Deed Document Number	2015958143
Last Transfer Date	Nov 19, 2021
Transfer Doc	0001059121
Record Updated	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jul 21, 2022
Property Address	4520 GLADSTONE ST, DULUTH, MN 55804-2317
Document Number	0001059121
Instrument Date	Nov 19, 2021
Instrument	1059121
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	EQUITY SETTLEMENT SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4520 GLADSTONE ST, 4520, DULUTH, MN 55804-2317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 GLADSTONE ST, DULUTH, MN 55804-2317

Mortgage

Document Number	0001059122
Date	Jul 21, 2022
Instrument	1059122

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Dec 01, 2051

Tax Assessment & Valuation

Source: St. Louis County assessment roll as of 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	$2,922.00 (+7.11%) Homeowner's exemption
2025	$2,728.00 (+14.91%) Homeowner's exemption	$235,400 (+6.18%) Land $57,500 Building $177,900	$235,400 (+6.18%) Land $57,500 Building $177,900
2024	$2,374.00	$221,700 (+26.76%) Land $55,400 Building $166,300	$221,700 (+26.76%) Land $55,400 Building $166,300
2022		$174,900 Land $42,700 Building $132,200	$174,900 Land $42,700 Building $132,200

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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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, 328 locations within half a mile, 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.

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.