4810 Oneota St, Duluth, MN 55807 Property Records

St. Louis County property record for 4810 Oneota St, Duluth, MN 55807

Property Summary

Property Type	Commercial
Details	11,072 sqft · built 2000
Lot Size	0.557 acres (24,291 sqft)
Owner	Company Name on File
Last Sale	$690,000 (Jul 2020)
Tax Bill	$34,574 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2020 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3610-00670`

Property Details

APN / Parcel Number

Primary APN	`010-3610-00670`
Alternative APN	`1105948`

Interior

Stories	1 Story
Building Area	11,072 sqft Gross Area
1st Floor Area	11,072 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	24,291 sqft (0.557 acres)
Garage Area	8,020 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1105948
Street Address	4810 ONEOTA ST
City	DULUTH
State	MN
Zip	55807
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOTS 6 7 AND 8 INC NLY 112 FT OF VAC 48THAVE W ADJ LOT 8 SERIAL #
Legal Subdivision	ONEOTA DULUTH
Legal Block	17
Legal Lot Number	6-8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2039
Census Tract	15800

Owner

4810 Oneota St, a commercial property, is owned by a company that bought it in July 2020.

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

Owner of Record	Company Name on File
Mailing Address	5904 MCQUADE RD, DULUTH, MN 55804-3343
Owner Type	Company
Vesting	Company

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
Jul 15, 2021	Deed of Trust, Mortgage · SBA Mortgage NORTHEAST ENTREPRENEUR FUND INC
Jul 13, 2020	Warranty Deed, Construction Loan · Construction Mortgage LAKE BK
May 30, 2017	Loan Modification, Mortgage WESTERN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2020 · Amount on File
Deed Sale	Jul 13, 2020 · Amount on File
Prior Sale	Nov 24, 2014 · Amount on File
Deed Document Number	20201384763
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4810 ONEOTA ST, DULUTH, MN 55807
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001419262
Date	Jul 15, 2021
Instrument	1419262

Lender

Name	NORTHEAST ENTREPRENEUR FUND INC
Type	Non-Lending Institution
Address	DULUTH, MN 55802

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	239 Months
Due	Jun 18, 2041

July 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 13, 2020
Property Address	4810 ONEOTA ST, DULUTH, MN 55807
Document Number	00A1384763
Instrument Date	Jun 24, 2020
Instrument	A1384763
Transaction Type	Construction Loan
Record Updated	Aug 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,277.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5904 MCQUADE RD DULUTH MN 558043343, DULUTH, MN 55804-3343

Mortgage

Document Number	A1384764
Date	Jul 13, 2020
Instrument	A1384764

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Construction Mortgage
Amount	Amount on Record

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	4810 ONEOTA ST, DULUTH, MN 55807
Document Number	00A1313137
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1934 LONDON RD DULUTH MN 558122038, DULUTH, MN 55812-2038

Mortgage

Document Number	00A1313137
Date	Jul 13, 2017
Instrument	A1313137

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55816-0050

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 12, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 4810 Oneota St was $34,574, up 3.5% 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	$34,574.00 (+3.48%)
2025	$33,412.00 (-2.73%)	$1,169,900 (+5.24%) Land $280,400 Building $889,500	$1,169,900 (+5.24%) Land $280,400 Building $889,500
2024	$34,348.00 (+24.7%)	$1,111,700 Land $260,400 Building $851,300	$1,111,700 Land $260,400 Building $851,300
2023	$27,544.00
2022		$845,300 (+18.41%) Land $248,300 Building $597,000	$845,300 (+18.41%) Land $248,300 Building $597,000
2021		$713,900 Land $215,700 Building $498,200	$713,900 Land $215,700 Building $498,200

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

Flood

FEMA maps place 4810 Oneota St 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1988–2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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

The area around 4810 Oneota St 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Airfiber Fixed Wireless	100 / 20

May also be available: CenturyLink, Spectrum, Verizon.

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