St. Louis County property record for 4812 W 4th St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,218 sqft · built 1948 |
| Lot Size | 0.151 acres (6,590 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,000 (Aug 2014) |
| Tax Bill | $2,390 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3610-10070 |
| Primary APN | 010-3610-10070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,218 sqft Gross Area |
| 1st Floor Area | 828 sqft |
| Basement Area | 390 sqft |
| Finished Basement | 390 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,590 sqft (0.151 acres) |
| Garage Area | 396 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Storage Building | 49 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 973873 |
|---|---|
| Street Address | 4812 W 4TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-2062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ADD TO ONEOTA SERIAL # |
| Legal Subdivision | ADDITION TO ONEOTA |
| Legal Block | 94 |
| Legal Lot Number | 6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 5 |
| Census Block | 5014 |
| Census Tract | 15800 |
4812 W 4th St is owned and occupied by an individual who bought it in August 2014.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4812 W 4TH ST, DULUTH, MN 55807-2062 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2014 · Amount on File |
| Deed Sale | Aug 5, 2014 · Amount on File |
| Prior Sale | Jul 26, 2007 · Amount on File |
| Deed Document Number | 2014947302 |
| Prior Transfer Date | Jul 14, 2005 |
| Prior Transfer Doc | 0000801647 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4812 W 4TH ST, DULUTH, MN 55807-2062 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001041391 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 1041391 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4812 W 4TH ST, DULUTH, MN 55807-2062 |
| Document Number | 00T1022139 |
| Instrument Date | Mar 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 4812 W 4TH ST DULUTH MN 558072062, DULUTH, MN 55807-2062 |
| Document Number | 00T1022139 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | T1022139 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 7, 2035 |
The 2026 property tax bill for 4812 W 4th St was $2,390 with a homeowner's exemption, up 0.2% 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 | $2,390.00 (+0.17%) Homeowner's exemption | ||
| 2025 | $2,386.00 (+2.32%) Homeowner's exemption | $213,300 (+7.46%) Land $17,000 Building $196,300 | $213,300 (+7.46%) Land $17,000 Building $196,300 |
| 2024 | $2,332.00 | $198,500 Land $18,200 Building $180,300 | $198,500 Land $18,200 Building $180,300 |
| 2022 | $161,600 Land $16,700 Building $144,900 | $161,600 Land $16,700 Building $144,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4812 W 4th 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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4812 W 4th St is low, with 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 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.
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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