515 W 4th St, Duluth, MN 55806 Property Records

St. Louis County property record for 515 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 3 ba · 2,132 sqft · built 1909
Lot Size	0.052 acres (2,293 sqft)
Owner	Individual Name on File
Last Sale	$196,000 (Jan 2017)
Tax Bill	$4,920 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Jan 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-1270-03640`

Property Details

APN / Parcel Number

Primary APN	`010-1270-03640`
Alternative APN	`928246`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,132 sqft Gross Area
1st Floor Area	1,066 sqft
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Triplex
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Lot Area	2,293 sqft (0.052 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	230 sqft
Deck Area	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	928246
Street Address	515 W 4TH ST
City	DULUTH
State	MN
Zip	55806-3947
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	S 91 67/100 FT OF WLY 1/2 SERIAL #
Legal Subdivision	DULUTH PROPER
Legal Block	47
Legal Lot Number	87
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2016
Census Tract	1800

Owner

515 W 4th St, a residential property, is owned by an individual who bought it in January 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1626 LONDON RD PMB # 769 # 769, 769, DULUTH, MN 55812
Owner Type	Individual

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
Mar 10, 2023	Deed of Trust, Mortgage · Line of Credit SUPERIOR CHOICE CU
Jan 7, 2019	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK INC
Jan 9, 2017	Warranty Deed, Transfer · Line of Credit SUPERIOR CHOICE CU
Jan 9, 2017	Quit Claim Deed, Transfer PIONEER ABSTRACT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2017 · Amount on File
Deed Sale	Jan 9, 2017 · Amount on File
Deed Document Number	20171301751
Prior Transfer Date	Dec 15, 2016
Prior Transfer Doc	00A1301750
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	515 W 4TH ST, DULUTH, MN 55806-3947
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 26522, MINNEAPOLIS, MN 55426-0522

Mortgage

Document Number	0001463119
Date	Mar 10, 2023
Instrument	1463119

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	31 Months
Due	Oct 1, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	515 W 4TH ST, DULUTH, MN 55806-3947
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001347808
Date	Jan 7, 2019
Instrument	1347808

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 9, 2017
Property Address	515 W 4TH ST, DULUTH, MN 55806-3947
Document Number	00A1301751
Instrument Date	Dec 29, 2016
Instrument	A1301751
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	PIONEER ABSTRACT AND TITLE COMPANY INC, PIONEER ABS & TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$646.80
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1626 LONDON RD #769 DULUTH MN 558121619, 769, DULUTH, MN 55812-1619

Mortgage

Document Number	A1301752,
Date	Jan 9, 2017
Instrument	A1301752

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 8, 2032

Interest

Rate Type	Adjustable Rate
Rate	5.25%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 9, 2017
Property Address	515 W 4TH ST, DULUTH, MN 55806-3947
Document Number	00A1301750
Instrument Date	Dec 15, 2016
Instrument	A1301750
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	PIONEER ABSTRACT

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W 4TH ST DULUTH MN 558063947, DULUTH, MN 55806-3947

Tax Assessment & Valuation

The 2026 property tax bill for 515 W 4th St was $4,920, up 11.9% 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	$4,920.00 (+11.92%)
2025	$4,396.00 (+7.64%)	$302,800 (+15.84%) Land $18,200 Building $284,600	$302,800 (+15.84%) Land $18,200 Building $284,600
2024	$4,084.00	$261,400 Land $17,700 Building $243,700	$261,400 Land $17,700 Building $243,700
2022		$218,800 Land $16,000 Building $202,800	$218,800 Land $16,000 Building $202,800

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

Flood

FEMA maps place 515 W 4th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 515 W 4th 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 357 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

May also be available: Airfiber, AT&T, Fidium Fiber.

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