4631 London Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 4631 London Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 2,010 sqft · built 1938
Lot Size	0.209 acres (9,130 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Mar 2024)
Tax Bill	$5,676 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-2970-00160`

Property Details

APN / Parcel Number

Primary APN	`010-2970-00160`
Alternative APNs	`1090462` `1163086`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,010 sqft Gross Area
1st Floor Area	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Flat
Lot Area	9,130 sqft (0.209 acres)
Garage Area	400 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	104 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1163086
Street Address	4631 LONDON RD
City	DULUTH
State	MN
Zip	55804-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0016 BLOCK:000 SERIAL #
Legal Subdivision	KELSO R S 1 2 SARGENTS R 16 1
Legal Lot Number	16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5015
Census Tract	600

Owner

4631 London Rd is owned and occupied by an individual who bought it in March 2024.

Source: St. Louis County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	4631 LONDON RD, DULUTH, MN 55804-2302
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Mar 8, 2024	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jun 4, 2020	Warranty Deed, Transfer · Conventional Mortgage TRADITION MTG
Mar 8, 2019	Deed of Trust, Mortgage · Line of Credit SHARE ADVANTAGE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2024 · Amount on File
Deed Sale	Mar 8, 2024 · Amount on File
Prior Sale	Jun 4, 2020 · Amount on File
Deed Document Number	20241077454
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 8, 2024
Property Address	4631 LONDON RD, DULUTH, MN 55804-2302
Document Number	0001077454
Instrument Date	Feb 20, 2024
Instrument	1077454
Transaction Type	Transfer
Record Updated	May 13, 2024
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4631 LONDON RD, DULUTH, MN 55804-2302

Mortgage

Document Number	0001077457
Date	Mar 8, 2024
Instrument	1077457

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 8, 2024
Property Address	4631 LONDON RD, DULUTH, MN 55804-2302
Document Number	0001077454
Instrument Date	Feb 20, 2024
Instrument	1077454
Transaction Type	Transfer
Record Updated	May 6, 2024
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4631 LONDON RD, DULUTH, MN 55804-2302

Mortgage

Document Number	0001077457
Date	Mar 8, 2024
Instrument	1077457

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 4, 2020
Property Address	4631 LONDON RD, DULUTH, MN 55804-2302
Document Number	00T1024139
Instrument Date	May 29, 2020
Instrument	T1024139
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$883.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 LONDON RD DULUTH MN 558042302, DULUTH, MN 55804-2302

Mortgage

Document Number	T1024140
Date	Jun 4, 2020
Instrument	T1024140

Lender

Name	TRADITION MTG
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4631 LONDON RD, DULUTH, MN 55804-2302
Document Number	00A1008931
Instrument Date	Mar 8, 2019
Transaction Type	Mortgage
Record Updated	Apr 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4631 LONDON RD DULUTH MN 558042302, DULUTH, MN 55804-2302

Mortgage

Document Number	00A1008931
Date	Mar 28, 2019
Instrument	A1008931

Lender

Name	SHARE ADVANTAGE CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 27, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4631 London Rd was $5,676 with a homeowner's exemption, up 12.5% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,676.00 (+12.53%) Homeowner's exemption
2025	$5,044.00 (+7.64%) Homeowner's exemption	$421,100 (+11.17%) Land $53,700 Building $367,400	$421,100 (+11.17%) Land $53,700 Building $367,400
2024	$4,686.00	$378,800 Land $51,800 Building $327,000	$378,800 Land $51,800 Building $327,000
2022		$309,700 Land $39,900 Building $269,800	$309,700 Land $39,900 Building $269,800

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

Flood

FEMA maps place 4631 London Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 4631 London Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not 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 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

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, 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 328 locations within half a mile, as of December 31, 2025

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.

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