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

St. Louis County property record for 614 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,716 sqft · built 1891
Lot Size	0.172 acres (7,502 sqft)
Owner	Individual Name on Record
Last Sale	$715,000 (Jan 2024)
Tax Bill	$10,688 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jan 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-1270-01180`

Property Details

APN / Parcel Number

Primary APN	`010-1270-01180`
Alternative APNs	`1128251` `1156072`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,716 sqft Gross Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Architectural Style	Custom Design
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,502 sqft (0.172 acres)
Garage Area	671 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	108 sqft
Deck Area	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1156072
Street Address	614 W 4TH ST
City	DULUTH
State	MN
Zip	55806-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 102 AND 104, BLOCK 34 SERIAL #
Legal Subdivision	DULUTH PROPER THIRD DIVISION
Legal Block	34
Legal Lot Number	104
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2020
Census Tract	1800

Owner

Source: St. Louis County records, as of August 20, 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 Record
Mailing Address	614 W 4TH ST, DULUTH, MN 55806-2410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2023	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Jan 29, 2024	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST
Apr 5, 2022	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOAN ONE
Dec 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2024 · Amount on Record
Deed Sale	Jan 29, 2024 · Amount on Record
Prior Sale	Oct 9, 2023 · Amount on Record
Deed Document Number	20241482245
Prior Transfer Date	Nov 26, 2019
Prior Transfer Doc	0001018563
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 9, 2023
Property Address	614 W 4TH ST, DULUTH, MN 55806-2410
Document Number	0001073192
Instrument Date	Oct 5, 2023
Instrument	1073192
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,359.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 W 4TH ST, DULUTH, MN 55806-2410

Mortgage

Document Number	0001073193
Date	Oct 9, 2023
Instrument	1073193

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 29, 2024
Property Address	614 W 4TH ST, DULUTH, MN 55806-2410
Document Number	0001482245
Instrument Date	Oct 5, 2023
Instrument	1482245
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,359.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 W 4TH ST, DULUTH, MN 55806-2410

Mortgage

Document Number	0001482246
Date	Jan 29, 2024
Instrument	1482246

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	614 W 4TH ST, DULUTH, MN 55806-2410
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001440515
Date	Apr 6, 2022
Instrument	1440515

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 5, 2022
Property Address	614 W 4TH ST, DULUTH, MN 55806-2410
Document Number	0001055139
Instrument Date	Mar 31, 2022
Instrument	1055139
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	CARLTON CNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 W 4TH ST, DULUTH, MN 55806-2410

Mortgage

Document Number	0001055140
Date	Apr 5, 2022
Instrument	1055140

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	614 W 4TH ST, DULUTH, MN 55806-2410
Document Number	00A1378343
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 W 4TH ST DULUTH MN 558062410, DULUTH, MN 55806-2410

Mortgage

Document Number	00A1378343
Date	Apr 27, 2020
Instrument	A1378343

Lender

Name	LOAN ONE
Type	Funding / Finance Company
Address	GAHANNA, OH 43230

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 13, 2019
Property Address	614 W 4TH ST, DULUTH, MN 55806-2410
Document Number	00T1018563
Instrument Date	Nov 26, 2019
Instrument	T1018563
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 W 4TH ST DULUTH MN 558062410, DULUTH, MN 55806-2410

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,688.00 (+10.92%) Homeowner's exemption
2025	$9,636.00 (+174.22%) Homeowner's exemption	$757,400 (+13.6%) Land $162,400 Building $595,000	$757,400 (+13.6%) Land $162,400 Building $595,000
2024		$666,700 (+179.07%) Land $157,500 Building $509,200	$666,700 (+179.07%) Land $157,500 Building $509,200
2023	$3,514.00 Homeowner's exemption
2022		$238,900 Land $75,600 Building $163,300	$238,900 Land $75,600 Building $163,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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