St. Louis County property record for 2304 Shore Dr, Duluth, MN 55812
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.75 ba · 1,820 sqft · built 2005 |
| Lot Size | 0.1 acres (4,384 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $15,240 (2026) |
| Deeds & Mortgages | Mar 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2807-00020 |
| Primary APN | 010-2807-00020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,820 sqft Gross Area |
| 1st Floor Area | 1,820 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 912 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 4,384 sqft (0.1 acres) |
| Garage Area | 535 sqft |
| Deck Area | 176 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 861051 |
|---|---|
| Street Address | 2304 SHORE DR |
| City | DULUTH |
| State | MN |
| Zip | 55812-2200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 2 AND AN UNDIVIDED INTEREST IN THECOMMON ELEMENTS SERIAL # |
| Legal Subdivision | CIC 78 THE LEDGES ON LAKE SUP |
| Legal Unit | 2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 1100 |
2304 Shore Dr is owned and occupied by an individual who acquired it in February 2008.
Source: St. Louis County records, as of August 17, 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 File |
|---|---|
| Mailing Address | 2304 SHORE DR, DULUTH, MN 55812-2200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 7, 2008 |
| Deed Sale | Feb 7, 2008 |
| Deed Document Number | 2008848790 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2304 SHORE DR, DULUTH, MN 55812-2200 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2304 SHORE DR, DULUTH, MN 55812-2200 |
| Document Number | 0001054244 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 1054244 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 2304 Shore Dr was $15,240 with a homeowner's exemption, up 4.9% 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 | $15,240.00 (+4.89%) Homeowner's exemption | ||
| 2025 | $14,530.00 (+8.09%) Homeowner's exemption | $975,400 (+1.64%) Land $176,200 Building $799,200 | $975,400 (+1.64%) Land $176,200 Building $799,200 |
| 2024 | $13,442.00 | $959,700 Land $219,700 Building $740,000 | $959,700 Land $219,700 Building $740,000 |
| 2022 | $870,100 Land $219,700 Building $650,400 | $870,100 Land $219,700 Building $650,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2304 Shore Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | May 1979 · tidal / storm surge |
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.
The area around 2304 Shore Dr 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 164 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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