2985 Shannon Rd, Duluth, MN 55810 Property Records

St. Louis County property record for 2985 Shannon Rd, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,716 sqft · built 2000
Lot Size	4.19 acres (182,516 sqft)
Owner	Individual Name on File
Last Sale	$432,000 (Nov 2022)
Tax Bill	$5,026 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`450-0010-02201`

Property Details

APN / Parcel Number

Primary APN	`450-0010-02201`
Alternative APNs	`1140342` `647169`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,716 sqft Gross Area
1st Floor Area	1,014 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Metal
Construction Type	Frame
Lot Area	182,516 sqft (4.19 acres)
Garage Area	4,058 sqft
Deck Area	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1140342
Street Address	2985 SHANNON RD
City	DULUTH
State	MN
Zip	55810-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	NLY 440 FT OF NE1/4 OF SW1/4 EX WLY 830 FT &EX PART OF THE FOLLOWING DESCRIBED PARCELCOMM AT NE COR OF NE1/4 OF SW1/4 THENCE
Legal Range	15W
Legal Township	49N
Legal Section	16
Legal Subdivision	MIDWAY TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1033
Census Tract	10200

Owner

2985 Shannon Rd is owned and occupied by an individual who bought it in November 2022.

Source: St. Louis County records, as of October 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 File
Mailing Address	2985 SHANNON RD, DULUTH, MN 55810-2135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST
Feb 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Nov 16, 2022	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2022 · Amount on File
Deed Sale	Nov 16, 2022 · Amount on File
Deed Document Number	20221456597
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2985 SHANNON RD, DULUTH, MN 55810-2135
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001416244
Date	Jun 10, 2021
Instrument	1416244

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Aug 1, 2051

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2985 SHANNON RD, DULUTH, MN 55810-2135
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001527767
Date	Feb 10, 2026
Instrument	1527767

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2056

Interest

Rate Type	Adjustable Rate
Rate	8.75%
Type Change Date	Feb 1, 2036
Change Frequency	Annually
Min Rate At Change	10.7%
Max Rate At Change	8.75%
Index	Prime Rate
Max Rate	14.7%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 16, 2022
Property Address	2985 SHANNON RD, DULUTH, MN 55810-2135
Document Number	0001456597
Instrument Date	Nov 9, 2022
Instrument	1456597
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	PIONEER TITLE TWIN PORTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.60
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	2985 SHANNON RD, PROCTOR, MN 55810-2135

Mortgage

Document Number	0001456598
Date	Nov 16, 2022
Instrument	1456598

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	8.5%
Index	Prime Rate
Max Rate	12.5%

Mortgage

Document Number	0001456599
Date	Nov 16, 2022
Instrument	1456599

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 15, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 2985 Shannon Rd was $5,026, up 11.6% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Midway Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,026.00 (+11.59%)
2025	$4,504.00 (+3.21%)	$499,500 (+16.79%) Land $61,500 Building $438,000	$499,500 (+16.79%) Land $61,500 Building $438,000
2024	$4,364.00	$427,700 Land $44,600 Building $383,100	$427,700 Land $44,600 Building $383,100
2022		$364,700 Land $41,700 Building $323,000	$364,700 Land $41,700 Building $323,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2985 Shannon Rd 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2018–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2019 · rainfall accumulation

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

Wildfire risk around 2985 Shannon 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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