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4609 W 4th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4609 W 4th St, Duluth, MN 55807

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.25 ba · 1,196 sqft · built 1926
Lot Size0.121 acres (5,280 sqft)
OwnerIndividual Name on Record
Last Sale$165,000 (Aug 2018)
Tax Bill$2,680 (2026)
Deeds & MortgagesDec 2021 Second Mortgage
Apr 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN010-1940-02200

Property Details

APN / Parcel Number

Primary APN010-1940-02200
Alternative APN
  • 1056961

Interior

Bedrooms4 Beds
Full Baths2.25 Baths
Half Baths1 Half Bath
Total Rooms2 Rooms
Stories2 Stories
Building Area1,196 sqft Gross Area
1st Floor Area598 sqft
Basement Area448 sqft
Finished Basement448 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 1975
Exterior MaterialWood
Construction TypeFrame
Lot Area5,280 sqft (0.121 acres)
Garage Area576 sqft

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchPorch
Porch Area80 sqft
Deck Area80 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Account Number1056961
Street Address4609 W 4TH ST
CityDULUTH
StateMN
Zip55807-2030
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT: 0015 BLOCK:012 SERIAL #
Legal SubdivisionGRAND CENTRAL DIVISION OF DULUTH
Legal Block12
Legal Lot Number15
JurisdictionST LOUIS MN
Township / Civil DivisionDULUTH
Census Block Group5
Census Block5004
Census Tract15800

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address4609 W 4TH ST, DULUTH, MN 55807-2030
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 29, 2021Deed of Trust, Mortgage · Stand-Alone Second Mortgage
HERMANTOWN FCU
Apr 20, 2020Deed of Trust, Mortgage · Conventional with PMI
NORTH SHORE BK/COMMERCE
Oct 10, 2018Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY
Aug 28, 2018Warranty Deed, Transfer · Conventional with PMI
NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 28, 2018 · Amount on Record
Deed SaleAug 28, 2018 · Amount on Record
Prior SaleOct 23, 2003 · Amount on Record
Deed Document Number20181002037
Record UpdatedSep 20, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4609 W 4TH ST, DULUTH, MN 55807-2030
Transaction TypeMortgage
Record UpdatedFeb 21, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4609 W 4TH ST, DULUTH, MN 55807-2030

Mortgage

Document Number0001051573
DateDec 29, 2021
Instrument1051573
Lender
NameHERMANTOWN FCU
TypeCredit Union
AddressDULUTH, MN 55811
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term180 Months
DueDec 17, 2036

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4609 W 4TH ST, DULUTH, MN 55807-2030
Document Number00T1022785
Instrument DateApr 20, 2020
Transaction TypeMortgage
Record UpdatedJun 22, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4609 W 4TH ST DULUTH MN 558072030, DULUTH, MN 55807-2030

Mortgage

Document Number00T1022785
DateApr 27, 2020
InstrumentT1022785
Lender
NameNORTH SHORE BK/COMMERCE
TypeBank
AddressDULUTH, MN 55802
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 26, 2050

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4609 W 4TH ST, DULUTH, MN 55807-2030
Document Number00T1004251
Instrument DateOct 10, 2018
Transaction TypeMortgage
Record UpdatedNov 7, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address4609 W 4TH ST DULUTH MN 558072030, DULUTH, MN 55807-2030

Mortgage

Document Number00T1004251
DateOct 25, 2018
InstrumentT1004251
Lender
NameMISCELLANEOUS GOVT AGCY
AddressDULUTH, MN 55802
Agreement
TypeConventional Mortgage
AmountAmount Recorded

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateAug 28, 2018
Property Address4609 W 4TH ST, DULUTH, MN 55807-2030
Document Number00A1002037
Instrument DateAug 24, 2018
InstrumentA1002037
Transaction TypeTransfer
Record UpdatedSep 12, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$544.50

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4609 W 4TH ST DULUTH MN 558072030, DULUTH, MN 55807-2030

Mortgage

Document NumberA1002038
DateAug 28, 2018
InstrumentA1002038
Lender
NameNORTH SHORE BK/COMMERCE
TypeBank
AddressDULUTH, MN 55802
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 27, 2048

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityDuluth City
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,680.00 (+0.3%) Homeowner's exemption
2025$2,672.00 (+2.69%) Homeowner's exemption$235,000 (+7.85%) Land $13,600 Building $221,400$235,000 (+7.85%) Land $13,600 Building $221,400
2024$2,602.00$217,900 (+15.41%) Land $14,600 Building $203,300$217,900 (+15.41%) Land $14,600 Building $203,300
2022$188,800 Land $13,400 Building $175,400$188,800 Land $13,400 Building $175,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemDuluth
serves 86,859 people · EPA ID MN1690011
Water SourceSurface water
Last State InspectionFeb 2025
Lead8 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Oct 2017
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025

ProviderMax 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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