St. Louis County property record for 4524 Cooke St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,278 sqft · built 1916 |
| Lot Size | 0.16 acres (7,003 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Aug 2025) |
| Tax Bill | $3,572 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Jan 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3010-05540 |
| Primary APN | 010-3010-05540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,278 sqft Gross Area |
| 1st Floor Area | 944 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,003 sqft (0.16 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 34 sqft |
| Patio Area | 126 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1186734 |
|---|---|
| Street Address | 4524 COOKE ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-2345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0006 BLOCK:062 SERIAL # |
| Legal Subdivision | LONDON ADDITION TO DULUTH |
| Legal Block | 62 |
| Legal Lot Number | 6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-3010-05540
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4524 COOKE ST, DULUTH, MN 55804-2345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 12, 2023 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE |
| Jan 11, 2023 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE |
| Jan 11, 2023 | Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE |
| Jan 12, 2023 | Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE |
| Jul 02, 2020 | Deed of Trust, Mortgage · Line of Credit WESTERN NAT'L BK |
| Jul 10, 2020 | Deed of Trust, Construction Loan · Line of Credit WESTERN NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 19, 2025 · Amount on Record |
| Deed Sale | Aug 19, 2025 · Amount on Record |
| Prior Sale | Jul 24, 2003 · Amount on Record |
| Deed Document Number | 20251516459 |
| Prior Transfer Date | Apr 04, 2012 |
| Prior Transfer Doc | 00A1205843 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4524 COOKE ST, DULUTH, MN 55804-2345 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001460277 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 1460277 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 14 Months |
| Due | Feb 29, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4524 COOKE ST, DULUTH, MN 55804-2345 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001065236 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 1065236 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 14 Months |
| Due | Feb 29, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4524 COOKE ST, DULUTH, MN 55804-2345 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001065235 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 1065235 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Dec 29, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4524 COOKE ST, DULUTH, MN 55804-2345 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001460276 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 1460276 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Dec 29, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4524 COOKE ST, DULUTH, MN 55804-2345 |
| Document Number | 00A1385493 |
| Instrument Date | Jul 02, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4524 COOKE ST DULUTH MN 558042345, DULUTH, MN 55804-2345 |
| Document Number | 00A1385493 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | A1385493 |
| Name | WESTERN NAT'L BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816-0050 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 10, 2020 |
| Property Address | 4524 COOKE ST, DULUTH, MN 55804-2345 |
| Document Number | 00T1025697 |
| Instrument Date | Jul 02, 2020 |
| Instrument | T1025697 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 24, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3947 E CALVARY RD #102 DULUTH MN 558031310, 102, DULUTH, MN 55803-1310 |
| Document Number | 00T1025697 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | T1025697 |
| Name | WESTERN NAT'L BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816-0050 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 09, 2021 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $3,572.00 (+6.56%) | ||
| 2025 | $3,352.00 (+9.19%) | $259,000 (+6.37%) Land $47,900 Building $211,100 | $259,000 (+6.37%) Land $47,900 Building $211,100 |
| 2024 | $3,070.00 | $243,500 (+22.48%) Land $46,200 Building $197,300 | $243,500 (+22.48%) Land $46,200 Building $197,300 |
| 2022 | $198,800 Land $35,600 Building $163,200 | $198,800 Land $35,600 Building $163,200 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370006002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 540 locations within half a mile of this property.
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 |
| 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.
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