St. Louis County property record for 915 W 4th St, Duluth, MN 55806
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,696 sqft · built 1912 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $63,000 (Sep 2023) |
| Tax Bill | $2,554 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-1270-02880 |
| Primary APN | 010-1270-02880 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,696 sqft Gross Area |
| 1st Floor Area | 976 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 126 sqft |
| Storage Building | 240 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1165204 |
|---|---|
| Street Address | 915 W 4TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55806-2247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EX N 10 FT FOR ALLEY SERIAL # |
| Legal Subdivision | DULUTH PROPER THIRD DIV |
| Legal Block | 43 |
| Legal Lot Number | 151 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 2000 |
915 W 4th St is owned and occupied by an individual who bought it in September 2023.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 915 W 4TH ST, DULUTH, MN 55806-2247 |
| 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 |
|---|---|
| May 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION |
| Sep 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage SECURITY BANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on File |
| Deed Sale | Sep 5, 2023 · Amount on File |
| Prior Sale | Dec 15, 2016 · Amount on File |
| Deed Document Number | 20231473323 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 8, 2026 |
| Property Address | 915 W 4TH ST, DULUTH, MN 55806-2247 |
| Document Number | 0001532259 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 20261532259 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 915 W 4TH ST, DULUTH, MN 55806-2247 |
| Document Number | 0001532259, |
|---|---|
| Date | May 8, 2026 |
| Instrument | 20261532259 |
| Name | AFFINITY PLUS FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 20, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 5, 2023 |
| Property Address | 915 W 4TH ST, DULUTH, MN 55806-2247 |
| Document Number | 0001473323 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 1473323 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2023 |
| Title Company | OH-SITE TITLE LLC, ON SITE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 915 W 4TH ST, DULUTH, MN 55806-2247 |
| Document Number | 0001473324 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 1473324 |
| Name | SECURITY BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
The 2026 property tax bill for 915 W 4th St was $2,554 with a homeowner's exemption, up 10.9% 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 | $2,554.00 (+10.85%) Homeowner's exemption | ||
| 2025 | $2,304.00 Homeowner's exemption | $218,000 (+12.95%) Land $55,400 Building $162,600 | $218,000 (+12.95%) Land $55,400 Building $162,600 |
| 2024 | $193,000 Land $53,800 Building $139,200 | $193,000 Land $53,800 Building $139,200 | |
| 2023 | $2,482.00 | ||
| 2022 | $164,500 Land $48,700 Building $115,800 | $164,500 Land $48,700 Building $115,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 915 W 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 915 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.
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 378 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 |
| Airfiber Fixed Wireless | 100 / 20 |
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