St. Louis County property record for 4605 W 5th St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,451 sqft · built 1922 |
| Lot Size | 0.106 acres (4,620 sqft) |
| Owner | Individual Name on File |
| Last Sale | $236,000 (Jun 2024) |
| Tax Bill | $3,040 (2026) |
| Deeds & Mortgages | May 2018 Line of Credit Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1940-00330 |
| Primary APN | 010-1940-00330 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,451 sqft Gross Area |
| 1st Floor Area | 971 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,620 sqft (0.106 acres) |
| Garage Area | 264 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 98 sqft |
| Deck Area | 115 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1167292 |
|---|---|
| Street Address | 4605 W 5TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-2004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0013 BLOCK:002 SERIAL # |
| Legal Subdivision | GRAND CENTRAL DIV OF DULUTH |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 5 |
| Census Block | 5003 |
| Census Tract | 15800 |
4605 W 5th St is owned and occupied by an individual who bought it in June 2024.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4605 W 5TH ST, DULUTH, MN 55807-2004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 22, 2018 | Deed of Trust, Mortgage · Line of Credit NATIONAL BK/COMMERCE |
| Nov 16, 2017 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2024 · Amount on File |
| Deed Sale | Jun 14, 2024 · Amount on File |
| Prior Sale | Nov 16, 2017 · Amount on File |
| Deed Document Number | 20241080226 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4605 W 5TH ST, DULUTH, MN 55807-2004 |
| Document Number | 000T998914 |
| Instrument Date | May 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4605 W 5TH ST DULUTH MN 558072004, DULUTH, MN 55807-2004 |
| Document Number | 000T998914 |
|---|---|
| Date | Jun 8, 2018 |
| Instrument | T998914 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 7, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 16, 2017 |
| Property Address | 4605 W 5TH ST, DULUTH, MN 55807-2004 |
| Document Number | 000T992276 |
| Instrument Date | Nov 13, 2017 |
| Instrument | T992276 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | ARROWHEAD TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $478.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4605 W 5TH ST DULUTH MN 558072004, DULUTH, MN 55807-2004 |
| Document Number | T992277 |
|---|---|
| Date | Nov 16, 2017 |
| Instrument | T992277 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 15, 2037 |
The 2026 property tax bill for 4605 W 5th St was $3,040 with a homeowner's exemption, up 4.5% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,040.00 (+4.47%) Homeowner's exemption | ||
| 2025 | $2,910.00 (+2.9%) Homeowner's exemption | $286,900 (+22.55%) Land $11,900 Building $275,000 | $286,900 (+22.55%) Land $11,900 Building $275,000 |
| 2024 | $2,828.00 | $234,100 Land $12,700 Building $221,400 | $234,100 Land $12,700 Building $221,400 |
| 2022 | $210,200 Land $11,700 Building $198,500 | $210,200 Land $11,700 Building $198,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4605 W 5th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4605 W 5th St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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