St. Louis County property record for 1903 Old N Shore Rd, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,039 sqft · built 1987 |
| Lot Size | 7.69 acres (334,976 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $457,500 (Oct 2025) |
| Tax Bill | $3,950 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 315-0010-01372 |
| Primary APN | 315-0010-01372 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,039 sqft Gross Area |
| 1st Floor Area | 1,039 sqft |
| Basement Area | 779 sqft |
| Finished Basement | 779 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Construction Type | Log |
| Lot Area | 334,976 sqft (7.69 acres) |
| Garage Area | 768 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 920 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1190044 |
|---|---|
| Street Address | 1903 OLD NORTH SHORE RD |
| City | DULUTH |
| State | MN |
| Zip | 55804-9663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | NE1/4 OF NE1/4, LYING NORTHERLY AND WESTERLYOF THE CENTER LINE OF OLD NORTH SHORE ROAD,ALSO KNOWN AS COUNTY ROAD #3, EXCEPT |
| Legal Range | 12W |
| Legal Township | 51N |
| Legal Section | 08 |
| Legal Subdivision | DULUTH TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10500 |
1903 Old N Shore Rd is owned and occupied by two individuals who bought it in October 2025.
Source: St. Louis County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1903 OLD NORTH SHORE RD, DULUTH, MN 55804-9663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 13, 2026 | Deed of Trust, Mortgage · Line of Credit NORTHLAND FOUNDATION |
| Oct 24, 2025 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FCU |
| Dec 13, 2022 | Transfer on Death Deed, Transfer |
| Sep 2, 2020 | Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE |
| Jul 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2025 · Amount on File |
| Deed Sale | Oct 24, 2025 · Amount on File |
| Prior Sale | Sep 2, 2020 · Amount on File |
| Deed Document Number | 20251095503 |
| Prior Transfer Date | Dec 13, 2022 |
| Prior Transfer Doc | 0001064511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 13, 2026 |
| Property Address | 1903 OLD NORTH SHORE RD, DULUTH, MN 55804-9663 |
| Document Number | 0001101454 |
| Instrument Date | May 8, 2026 |
| Instrument | 20261101454 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Company, 103 |
| Document Number | 0001101454, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 20261101454 |
| Name | NORTHLAND FOUNDATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 7, 2031 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 24, 2025 |
| Property Address | 1903 OLD NORTH SHORE RD, DULUTH, MN 55804-9663 |
| Document Number | 0001095503 |
| Instrument Date | Oct 20, 2025 |
| Instrument | 1095503 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,509.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1903 OLD NORTH SHORE RD, DULUTH, MN 55804-9663 |
| Document Number | 0001095504 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 1095504 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 20, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Oct 20, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 6.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year T-Bill |
| Max Rate | 12.5% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 13, 2022 |
| Property Address | 1903 OLD NORTH SHORE RD, DULUTH, MN 55804-9663 |
| Document Number | 0001064511 |
| Instrument Date | Dec 13, 2022 |
| Instrument | 1064511 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1903 OLD NORTH SHORE RD, DULUTH, MN 55804-9663 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 2, 2020 |
| Property Address | 1903 OLD NORTH SHORE RD, DULUTH, MN 55804-9663 |
| Document Number | 00T1028359 |
| Instrument Date | Aug 6, 2020 |
| Instrument | T1028359 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,110.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1903 OLD NORTH SHORE RD DULUTH MN 558049663, DULUTH, MN 55804-9663 |
| Document Number | T1028360 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | T1028360 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 6, 2018 |
| Property Address | 1903 OLD NORTH SHORE RD, DULUTH, MN 55804-9663 |
| Document Number | 000T999891 |
| Instrument Date | Jun 29, 2018 |
| Instrument | T999891 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $973.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1903 OLD NORTH SHORE RD DULUTH MN 558049663, DULUTH, MN 55804-9663 |
| Document Number | T999892 |
|---|---|
| Date | Jul 6, 2018 |
| Instrument | T999892 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 5, 2048 |
The 2026 property tax bill for 1903 Old N Shore Rd was $3,950 with a homeowner's exemption, up 12.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Duluth Township |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,950.00 (+12.22%) Homeowner's exemption | ||
| 2025 | $3,520.00 (+15.18%) Homeowner's exemption | $499,700 (+4.82%) Land $108,600 Building $391,100 | $499,700 (+4.82%) Land $108,600 Building $391,100 |
| 2024 | $3,056.00 | $476,700 Land $104,100 Building $372,600 | $476,700 Land $104,100 Building $372,600 |
| 2022 | $342,400 Land $71,600 Building $270,800 | $342,400 Land $71,600 Building $270,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1903 Old N Shore Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2012) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1903 Old N Shore Rd is low, with 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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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