St. Louis County property record for 5409 Columbia St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,006 sqft · built 1886 |
| Lot Size | 0.377 acres (16,446 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,264 (2026) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0260-01720 |
| Primary APN | 010-0260-01720 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,006 sqft Gross Area |
| 1st Floor Area | 1,425 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Architectural Style | Duplex Single |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 16,446 sqft (0.377 acres) |
| Garage Area | 288 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 119 sqft |
| Deck Area | 614 sqft |
| Storage Building | 240 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 993041 |
|---|---|
| Street Address | 5409 COLUMBIA ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-1424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 13 AND 14 AND LOT 15 EX RY RT OFWAY AND LOTS 16 17 AND 18 THAT PARTLYING S OF RY RT OF WAY INC PART OF VACALLEY ADJ |
| Legal Subdivision | BELMONT PARK ADDITION TO DULUTH |
| Legal Block | 10 |
| Legal Lot Number | 13-17 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 15800 |
5409 Columbia St is owned and occupied by an individual who acquired it in August 2011.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5409 COLUMBIA ST, DULUTH, MN 55807-1424 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Aug 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Jul 13, 2018 | Loan Modification, Mortgage WESTERN NAT'L BK |
| Jul 13, 2018 | Loan Modification, Consolidation and Extension, Mortgage WESTERN NAT'L BK |
| Jan 9, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage WESTERN NAT'L BK |
| Jan 4, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage WESTERN NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 4, 2011 |
| Transfer Doc | 0000903383 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5409 COLUMBIA ST, DULUTH, MN 55807-1424 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001071046 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | 1071046 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 7, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Aug 7, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 7.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Margin | 1 |
| Max Rate | 13.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5409 COLUMBIA ST, DULUTH, MN 55807-1424 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001471914 |
|---|---|
| Date | Aug 14, 2023 |
| Instrument | 1471914 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 7, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Aug 7, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 7.25% |
| Max Rate At Change | 9.25% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 13.2% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5409 COLUMBIA ST, DULUTH, MN 55807-1424 |
| Document Number | 00A1001044 |
| Instrument Date | Jul 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5409 COLUMBIA ST DULUTH MN 558071424, DULUTH, MN 55807-1424 |
| Document Number | 00A1001044 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | A1001044 |
| Name | WESTERN NAT'L BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816-0050 |
| Term | 60 Months |
|---|---|
| Due | Aug 2, 2023 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5409 COLUMBIA ST, DULUTH, MN 55807-1424 |
| Document Number | 00A1338072 |
| Instrument Date | Jul 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5409 COLUMBIA ST DULUTH MN 558071424, DULUTH, MN 55807-1424 |
| Document Number | 00A1338072 |
|---|---|
| Date | Aug 7, 2018 |
| Instrument | A1338072 |
| Name | WESTERN NAT'L BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816-0050 |
| Term | 60 Months |
|---|---|
| Due | Aug 6, 2023 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 9, 2018 |
| Property Address | 5409 COLUMBIA ST, DULUTH, MN 55807-1424 |
| Instrument Date | Dec 26, 2017 |
| Instrument | A1325578 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5409 COLUMBIA ST DULUTH MN 558071424, DULUTH, MN 55807-1424 |
| Document Number | 00A1325578 |
|---|---|
| Date | Jan 9, 2018 |
| Instrument | A1325578 |
| Name | WESTERN NAT'L BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 8, 2019 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 4, 2018 |
| Property Address | 5409 COLUMBIA ST, DULUTH, MN 55807-1424 |
| Instrument Date | Dec 26, 2017 |
| Instrument | T993877 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 30, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5409 COLUMBIA ST DULUTH MN 558071424, DULUTH, MN 55807-1424 |
| Document Number | 000T993877 |
|---|---|
| Date | Jan 4, 2018 |
| Instrument | T993877 |
| Name | WESTERN NAT'L BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 3, 2019 |
The 2026 property tax bill for 5409 Columbia St was $4,264, up 2.4% 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 | $4,264.00 (+2.35%) | ||
| 2025 | $4,166.00 (+41.99%) | $257,900 (+6.92%) Land $27,800 Building $230,100 | $257,900 (+6.92%) Land $27,800 Building $230,100 |
| 2024 | $2,934.00 | $241,200 Land $29,700 Building $211,500 | $241,200 Land $29,700 Building $211,500 |
| 2022 | $223,100 Land $27,400 Building $195,700 | $223,100 Land $27,400 Building $195,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5409 Columbia 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 risk around 5409 Columbia St is low, with less than 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 95% of the US · lower than 84% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
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 359 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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