4523 Jay St, Duluth, MN 55804 Property Records

St. Louis County property record for 4523 Jay St, Duluth, MN 55804 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1.75 Baths
Year Built	Built 1922
Square Footage	1,122 sqft Gross Area
Lot Size	7,003 sqft (0.16 acres)
Occupancy	Owner Occupied
Last Sale	$370,000 (2025)
Tax Bill	$4,576.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`010-3030-04480`
Alternative APNs	`1178231` `985086`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Building Area	1,122 sqft Gross Area
1st Floor	1,122 sqft 1st Floor
Basement Area	561 sqft Basement
Finished Basement	561 sqft Finished
Stories	1 Stories

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Lot Area	7,003 sqft (0.16 acres)
Garage Area	576 sqft Garage

Exterior Amenities

Pool Type	Spa/Hot Tub (Only) Pool Type
Deck Area	40 sqft Deck
Porch	1 Porch
Porch Area	60 sqft Porch
Sauna	Sauna

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Gas Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	1178231
Street Address	4523 JAY ST
City	DULUTH
State	MN
Zip	55804-1550
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT: 0011 BLOCK:099 SERIAL #
Legal Subdivision	LONDON ADDITION
Legal Block	99
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Minor Civil Division	DULUTH
Census Blockgroup	2
Census Block	2002
Census Tract	600

Owner

Source: St. Louis County records · APN 010-3030-04480

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 Record	Individual Name on File
Mailing Address	4523 JAY ST, DULUTH, MN 55804-1550
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 22, 2025 · Amount on Record
Deed Sale	Jan 22, 2025 · Amount on Record
Prior Sale	Jul 15, 2009 · Amount on Record
Deed Doc Number	20251503859
Prior Transfer Date	Feb 13, 2015
Prior Transfer Doc	0001256138
Record Refreshed	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4523 JAY ST, DULUTH, MN 55804-1550
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4523 JAY ST, DULUTH, MN 55804-1550

Mortgage

Document Number	0001525204
Date	Dec 30, 2025
Instrument	1525204

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Type Change Date	Jan 01, 2036
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Max Rate	11.1%

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated 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	$4,576.00 (+12.71%)
2025	$4,060.00 (+3.36%) Homeowner's exemption	$345,400 (+10.67%) Land $47,900 Building $297,500	$345,400 (+10.67%) Land $47,900 Building $297,500
2024	$3,928.00	$312,100 (+18.22%) Land $46,200 Building $265,900	$312,100 (+18.22%) Land $46,200 Building $265,900
2022		$264,000 Land $35,600 Building $228,400	$264,000 Land $35,600 Building $228,400