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4101 Colorado St, Duluth, MN, 55804

5beds
3baths
2,576sqft
$525,000
$204price/sqft
$3,634/moest. monthly cost
$145,360/yrincome needed

About This Home

Come in and experience the peaceful atmosphere of 4101 Colorado Street! This lakeside home is truly memorable. With five bedrooms and three baths on a generous lot, you’ll have plenty of room to relax and unwind! A spacious foyer greets you as you enter, with ample room to remove your coat and shoes. Just steps up to the open-concept main-level living space, including the living room, kitchen, and dining area, making it easy to enjoy daily life or entertain guests. The kitchen offers ample countertops, cabinetry, and dining. The oversized windows let natural light flow in, which is very inviting. Just down the hall is the primary suite, which has its own 3/4 bath for privacy and a sizable closet, too. A full bath and bedroom two complete this level. The lower level offers a huge family room for movie nights, entertaining guests, or just hanging out. Three more bedrooms with ample sleeping and closet space. A full bath and laundry area with extra storage. The two-car attached garage offers extra storage, too. The beautiful, oversized lot offers the privacy you desire, along with space for gardens, a deck, or a patio. If you want a home that feels private yet is still close to everything you need, this one is definitely worth a look.

Getting Around

15
WalkingCar-Dependent
24
TransitMinimal Transit
39
BikeSomewhat Bikeable

Schools

8/10
7/10
10/10
East Senior High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1977

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt Shingle
  • Construction materials: Wood,Frame/Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Bath,Bedrooms,Family/Rec Room,Utility Room,Washer Hook-Ups,Dryer Hook-Ups

Bedroom

  • Level: Main
  • Area: 143
  • Dimensions: 13 x 11

Bedroom

  • Level: Main
  • Area: 115
  • Dimensions: 10 x 11.5

Bedroom

  • Level: Lower
  • Area: 130
  • Dimensions: 10 x 13

Bedroom

  • Level: Lower
  • Area: 110
  • Dimensions: 10 x 11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • Main level bedrooms: 1

Family Room

  • Level: Lower
  • Area: 624.75
  • Dimensions: 25.5 x 24.5

Features

  • Foyer-Entrance
  • Finished area below ground: 1,196
  • Finished area above ground: 1,380

Foyer

  • Level: Main
  • Area: 69
  • Dimensions: 6 x 11.5

Heating

  • Heating features: Electric

Interior Area

  • Total interior livable area: 2,576 sqft

Kitchen

  • Level: Main
  • Area: 230
  • Dimensions: 11.5 x 20

Laundry

  • Level: Lower
  • Area: 126.5
  • Dimensions: 11.5 x 11

Living Room

  • Level: Main
  • Area: 322
  • Dimensions: 14 x 23

Master Bedroom

  • Level: Main
  • Area: 182
  • Dimensions: 13 x 14

Property

Details

  • Parcel number: 010307001986 +01985 +010473500160 + 473700016

Features

  • Levels: Split Entry

Lot

  • Lot size: 0.75 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: irreg

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Inland Flooding
Strong Wind
Tsunami

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,654$31,848
Home Insurance *$184$2,208
Property Taxes $579$6,948
Electricity $217$2,607
Total$3,634$43,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,594/yr
40% on housing$109,020/yr
45% on housing$96,906/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 55804$312
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55804
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-03Listed for sale$525,000
2021-07-15Sold$445,000
2021-06-01Pending sale$389,900
2021-05-27Listed for sale$389,900

For Sale by Agent

AgentNicki Conrad
BrokerageMessina & Associates Real Estate

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