4892 1st Ave N, Duluth, MN 55803 Property Records

St. Louis County property record for 4892 1st Ave N, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 1958
Lot Size	0.463 acres (20,196 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Apr 2024)
Tax Bill	$2,934 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0080-00025`

Property Details

APN / Parcel Number

Primary APN	`520-0080-00025`
Alternative APNs	`1026116` `1164964`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	992 sqft Gross Area
1st Floor Area	992 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	20,196 sqft (0.463 acres)
Garage Area	480 sqft
Deck Area	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1164964
Street Address	4892 1ST AVE N
City	DULUTH
State	MN
Zip	55803-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	WLY 1/2 SERIAL #
Legal Subdivision	COLMANS 3RD ACRE TR ADD TO DUL
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1037
Census Tract	10400

Owner

4892 1st Ave N is owned and occupied by an individual who bought it in April 2024.

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	4892 1ST AVE N, DULUTH, MN 55803-1307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE FCU
Feb 24, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTHERN ST BK/VA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2024 · Amount on File
Deed Sale	Apr 23, 2024 · Amount on File
Prior Sale	Feb 24, 2017 · Amount on File
Deed Document Number	20241078668
Prior Transfer Date	Dec 14, 2016
Prior Transfer Doc	0000980445
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 23, 2024
Property Address	4892 1ST AVE N, DULUTH, MN 55803-1307
Document Number	0001078668
Instrument Date	Apr 12, 2024
Instrument	1078668
Transaction Type	Transfer
Record Updated	May 9, 2024
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4892 1ST AVE N, DULUTH, MN 55803-1307

Mortgage

Document Number	0001078669
Date	Apr 23, 2024
Instrument	1078669

Lender

Name	BELL BANK
Type	Bank

Agreement

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

Mortgage

Document Number	0001078670
Date	Apr 23, 2024
Instrument	1078670

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2034

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4892 1ST AVE N, DULUTH, MN 55803-1307
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001039133
Date	Apr 12, 2021
Instrument	1039133

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Mar 24, 2036

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 24, 2017
Property Address	4892 1ST AVE N, DULUTH, MN 55803-1307
Document Number	000T982520
Instrument Date	Feb 15, 2017
Instrument	T982520
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	UP N TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.17
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4892 1ST AVE N DULUTH MN 558031307, DULUTH, MN 55803-1307

Mortgage

Document Number	T982521
Date	Feb 24, 2017
Instrument	T982521

Lender

Name	NORTHERN ST BK/VA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 23, 2022

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	Rice Lake City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,934.00 (+52.49%)
2025	$1,924.00 (+21.77%) Homeowner's exemption	$218,900 (+24.38%) Land $34,700 Building $184,200	$218,900 (+24.38%) Land $34,700 Building $184,200
2024	$1,580.00	$176,000 (+36.12%) Land $34,500 Building $141,500	$176,000 (+36.12%) Land $34,500 Building $141,500
2022		$129,300 Land $33,100 Building $96,200	$129,300 Land $33,100 Building $96,200

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

Flood

FEMA maps place 4892 1st Ave N in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1991.

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	3 in force
Nearby Flood Claims	4 (1991–2001)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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

Wildfire risk around 4892 1st Ave N 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.

Drinking Water

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

Water System	Rice Lake serves 1,085 people · EPA ID MN1690049
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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