4895 1st Ave N, Duluth, MN 55803 Property Records

St. Louis County property record for 4895 1st Ave N, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,196 sqft · built 1936
Lot Size	1.68 acres (73,478 sqft)
Owner	Individual Name on Record
Last Sale	$216,500 (Nov 2012)
Tax Bill	$3,488 (2026)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0080-00420`

Property Details

APN / Parcel Number

Primary APN	`520-0080-00420`
Alternative APN	`942101`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,196 sqft Gross Area
1st Floor Area	1,040 sqft
Basement Area	550 sqft
Finished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Exterior Material	Metal
Construction Type	Frame
Lot Area	73,478 sqft (1.68 acres)
Garage Area	1,512 sqft

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	216 sqft
Storage Building	384 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	942101
Street Address	4895 1ST AVE N
City	DULUTH
State	MN
Zip	55803-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOTS 42 AND 43 SERIAL #
Legal Subdivision	COLMANS 3RD ACRE TR ADD TO DUL
Legal Lot Number	42-43
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1036
Census Tract	10400

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	4895 1ST AVE N, DULUTH, MN 55803-1320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2012 · Amount on Record
Deed Sale	Nov 28, 2012 · Amount on Record
Prior Sale	Sep 10, 2010 · Amount on Record
Deed Document Number	2012923370
Prior Transfer Date	Jan 13, 2003
Prior Transfer Doc	0000742133
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4895 1ST AVE N, DULUTH, MN 55803-1320
Document Number	00T1031693
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4895 1ST AVE N DULUTH MN 558031320, DULUTH, MN 55803-1320

Mortgage

Document Number	00T1031693
Date	Nov 5, 2020
Instrument	T1031693

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 4, 2040

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	$3,488.00 (+3.69%) Homeowner's exemption
2025	$3,364.00 (+1.69%) Homeowner's exemption	$280,300 (+0.11%) Land $47,900 Building $232,400	$280,300 (+0.11%) Land $47,900 Building $232,400
2024	$3,308.00	$280,000 (+17.01%) Land $47,600 Building $232,400	$280,000 (+17.01%) Land $47,600 Building $232,400
2022		$239,300 Land $45,500 Building $193,800	$239,300 Land $45,500 Building $193,800

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	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

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	Direct burnable vegetation

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.

Nearby Properties on 1st Ave N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures