4808 Tioga St, Duluth, MN 55804 Property Records

St. Louis County property record for 4808 Tioga St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,038 sqft · built 1928
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Tax Bill	$6,434 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-2950-02730`

Property Details

APN / Parcel Number

Primary APN	`010-2950-02730`
Alternative APN	`89198`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,038 sqft Gross Area
1st Floor Area	1,622 sqft
Basement Area	1,080 sqft
Finished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	10,500 sqft (0.241 acres)
Garage Area	3,404 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	32 sqft
Deck Area	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	89198
Street Address	4808 TIOGA ST
City	DULUTH
State	MN
Zip	55804-1658
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 AND WLY 1/2 OF LOT 3 SERIAL #
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	19
Legal Lot Number	2-3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4013
Census Tract	600

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 Record	Individual Name on Record
Mailing Address	4808 TIOGA ST, DULUTH, MN 55804-1658
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 1, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4808 TIOGA ST, DULUTH, MN 55804-1658
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001069935
Date	Jul 10, 2023
Instrument	1069935

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Feb 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4808 TIOGA ST, DULUTH, MN 55804-1658
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4808 TIOGA ST, DULUTH, MN 55804-1658

Mortgage

Document Number	0001007507
Date	Feb 1, 2019
Instrument	1007507

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$6,434.00 (+7.23%) Homeowner's exemption
2025	$6,000.00 (-1.99%) Homeowner's exemption	$472,100 (+6.42%) Land $57,300 Building $414,800	$472,100 (+6.42%) Land $57,300 Building $414,800
2024	$6,122.00	$443,600 (+11.54%) Land $55,300 Building $388,300	$443,600 (+11.54%) Land $55,300 Building $388,300
2022		$397,700 Land $42,600 Building $355,100	$397,700 Land $42,600 Building $355,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · rainfall accumulation

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.

Wildfire

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

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 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 507 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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