4969 Trails End Dr, Duluth, MN 55811 Property Records

St. Louis County property record for 4969 Trails End Dr, Duluth, MN 55811

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 3.25 ba · 1,888 sqft · built 2015
Lot Size	0.537 acres (23,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$479,754 (Sep 2015)
Tax Bill	$10,366 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`395-0175-00210`

Property Details

APN / Parcel Number

Primary APN	`395-0175-00210`
Alternative APN	`995461`

Interior

Bedrooms	5 Beds
Full Baths	3.25 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,888 sqft Gross Area
1st Floor Area	1,888 sqft
Basement Area	1,555 sqft
Finished Basement	1,555 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	23,422 sqft (0.537 acres)
Garage Area	744 sqft

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	16 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	995461
Street Address	4969 TRAILS END DR
City	DULUTH
State	MN
Zip	55811-3690
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT 8 BLOCK 3 SERIAL #
Legal Subdivision	TIMBER TRAILS ESTATES
Legal Block	3
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	3
Census Block	3006
Census Tract	10301

Owner

Source: St. Louis County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4969 TRAILS END DR, DULUTH, MN 55811-3690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
May 18, 2020	Deed of Trust, Mortgage · Conventional with PMI NORTH SHORE BK/COMMERCE
Jan 29, 2018	Deed of Trust, Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2015 · Amount on Record
Deed Sale	Sep 11, 2015 · Amount on Record
Prior Sale	Sep 1, 2015 · Amount on Record
Deed Document Number	2015962086
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jul 30, 2026
Property Address	4969 TRAILS END DR, DULUTH, MN 55811-3690
Document Number	0001104187
Instrument Date	Jun 26, 2026
Instrument	20261104187
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4969 TRAILS END DR, DULUTH, MN 55811-3690

Mortgage

Document Number	0001104187,
Date	Jul 30, 2026
Instrument	20261104187

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 26, 2036

Interest

Rate	6.75%
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4969 TRAILS END DR, DULUTH, MN 55811-3690
Document Number	00T1023803
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4969 TRAILS END DR HERMANTOWN MN 558113690, HERMANTOWN, MN 55811-3690

Mortgage

Document Number	00T1023803
Date	May 27, 2020
Instrument	T1023803

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	May 26, 2035

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4969 TRAILS END DR, DULUTH, MN 55811-3690
Document Number	000T994840
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2018
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4969 TRAILS END DR HERMANTOWN MN 558113690, HERMANTOWN, MN 55811-3690

Mortgage

Document Number	000T994840
Date	Feb 2, 2018
Instrument	T994840

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Hermantown City
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,366.00 (+10.32%) Homeowner's exemption
2025	$9,396.00 (+6.29%) Homeowner's exemption	$759,600 (+16.65%) Land $96,300 Building $663,300	$759,600 (+16.65%) Land $96,300 Building $663,300
2024	$8,840.00	$651,200 (+18.88%) Land $92,600 Building $558,600	$651,200 (+18.88%) Land $92,600 Building $558,600
2022		$547,800 Land $68,900 Building $478,900	$547,800 Land $68,900 Building $478,900

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	1 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	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Hermantown serves 7,215 people · EPA ID MN1690043
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

4969 Trails End Dr, Duluth, MN 55811 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2026: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Trails End Dr

Nearby Streets

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