4403 Sunshine Lake Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4403 Sunshine Lake Rd, Duluth, MN 55803

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	3 bd · 1.75 ba · 1,900 sqft · built 1960
Lot Size	5.97 acres (260,053 sqft)
Owner	Company Name on Record
Tax Bill	$4,682 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit May 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`375-0010-03830`

Property Details

APN / Parcel Number

Primary APN	`375-0010-03830`
Alternative APN	`1033652`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,900 sqft Gross Area
1st Floor Area	1,140 sqft
Basement Area	1,140 sqft
Finished Basement	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1975
Exterior Material	Metal
Construction Type	Frame
Lot Area	260,053 sqft (5.97 acres)

Exterior Amenities

Porch	Slab
Porch Area	420 sqft
Deck Area	420 sqft
Lean-To	99 sqft
Storage Building	128 sqft
Pole Barn	810 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1033652
Street Address	4403 SUNSHINE LAKE RD
City	DULUTH
State	MN
Zip	55803-9349
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	SMU
Legal Description	W 55.50 FT OF E 78 FT OF E1/2 OF E1/2 OFSE1/4 OF NW1/4; E 22.50 FT OF SE1/4 OF NW1/4;W 33 FT OF SW1/4 OF NE1/4; E 133 FT OF
Legal Range	14W
Legal Township	52N
Legal Section	20
Legal Subdivision	GNESEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2016
Census Tract	10601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4403 SUNSHINE LAKE RD, DULUTH, MN 55803-9349
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
May 26, 2026	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Jan 6, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 19, 2016
Transfer Doc	00A1301648
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 8, 2026
Property Address	4403 SUNSHINE LAKE RD, DULUTH, MN 55803-9349
Document Number	0001533897
Instrument Date	Nov 13, 2025
Instrument	20261533897
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	4403 SUNSHINE LAKE RD, DULUTH, MN 55803-9349

Mortgage

Document Number	0001533897,
Date	Jun 8, 2026
Instrument	20261533897

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	53 Months
Due	Nov 13, 2030

Interest

Rate	7%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	May 26, 2026
Property Address	4403 SUNSHINE LAKE RD, DULUTH, MN 55803-9349
Document Number	0001101839
Instrument Date	Nov 13, 2025
Instrument	20261101839
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	4403 SUNSHINE LAKE RD, DULUTH, MN 55803-9349

Mortgage

Document Number	0001101839,
Date	May 26, 2026
Instrument	20261101839

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	54 Months
Due	Nov 13, 2030

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4403 SUNSHINE LAKE RD, DULUTH, MN 55803-9349
Document Number	00A1364609
Instrument Date	Sep 11, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4403 SUNSHINE LAKE RD DULUTH MN 558039349, DULUTH, MN 55803-9349

Mortgage

Document Number	00A1364609
Date	Oct 2, 2019
Instrument	A1364609

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2034

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 6, 2017
Property Address	4403 SUNSHINE LAKE RD, DULUTH, MN 55803-9349
Document Number	00A1301648
Instrument Date	Dec 19, 2016
Instrument	A1301648
Transaction Type	Transfer
Record Updated	Jan 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1326 N 45TH AVE E DULUTH MN 558041527, DULUTH, MN 55804-1527

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,682.00 (+7.83%) Homeowner's exemption
2025	$4,342.00 (-0.37%) Homeowner's exemption	$640,000 (+51.26%) Land $189,800 Building $450,200	$640,000 (+51.26%) Land $189,800 Building $450,200
2024	$4,358.00	$423,100 (+4.91%) Land $217,800 Building $205,300	$423,100 (+4.91%) Land $217,800 Building $205,300
2022		$403,300 Land $207,400 Building $195,900	$403,300 Land $207,400 Building $195,900

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

Flood

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	4 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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