St. Louis County property record for 5019 S Bay Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,602 sqft · built 2002 |
| Lot Size | 4.25 acres (185,204 sqft) |
| Owner | Individual Name on File |
| Last Sale | $133,536 (Aug 2023) |
| Tax Bill | $7,568 (2026) |
| Deeds & Mortgages | Feb 2026 Transfer Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 365-0140-00110 |
| Primary APN | 365-0140-00110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,602 sqft Gross Area |
| 1st Floor Area | 1,602 sqft |
| Basement Area | 1,282 sqft |
| Finished Basement | 1,282 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 185,204 sqft (4.25 acres) |
| Garage Area | 484 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 245 sqft |
| Deck Area | 300 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1153272 |
|---|---|
| Street Address | 5019 S BAY RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-8404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SMU |
| Legal Description | THAT PART OF LOT 11, BLOCK 1, BEING UPLANDOF A LINE PARALLEL WITH AND 3 FEET UPLAND,HORIZONTAL MEASURE, OF ISLAND LAKE |
| Legal Subdivision | MINNESOTA POWER LEASE SITE 1 |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FREDENBERG |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 10602 |
5019 S Bay Rd is owned and occupied by an individual who bought it in August 2023.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5019 S BAY RD, DULUTH, MN 55803-8404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Feb 27, 2026 | Intrafamily Transfer, Transfer |
| Aug 17, 2023 | Limited Warranty Deed, Transfer · Commercial Mortgage FRANDSEN BANK & TRUST |
| Jul 29, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2023 · Amount on File |
| Deed Sale | Aug 17, 2023 · Amount on File |
| Deed Document Number | 20231472253 |
| Prior Transfer Date | Jul 21, 2022 |
| Prior Transfer Doc | 0001448549 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 27, 2026 |
| Property Address | 5019 S BAY RD, DULUTH, MN 55803-8404 |
| Document Number | 0001528787 |
| Instrument Date | Dec 22, 2025 |
| Instrument | 1528787 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5019 S BAY RD, DULUTH, MN 55803-8404 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 17, 2023 |
| Property Address | 5019 S BAY RD, DULUTH, MN 55803-8404 |
| Document Number | 0001472253 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 1472253 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $440.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 5019 S BAY RD, DULUTH, MN 55803-8404 |
| Document Number | 0001472254 |
|---|---|
| Date | Aug 17, 2023 |
| Instrument | 1472254 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 1, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 29, 2022 |
| Property Address | 5019 S BAY RD, DULUTH, MN 55803-8404 |
| Document Number | 0001448549 |
| Instrument Date | Jul 21, 2022 |
| Instrument | 1448549 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 30 W SUPERIOR ST, DULUTH, MN 55802-2191 |
The 2026 property tax bill for 5019 S Bay Rd was $7,568 with a homeowner's exemption, up 5.1% 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 | Fredenberg Township |
| Unified School District | Hermantown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,568.00 (+5.14%) Homeowner's exemption | ||
| 2025 | $7,198.00 (+28.08%) Homeowner's exemption | $649,700 (-3.86%) Land $204,500 Building $445,200 | $649,700 (-3.86%) Land $204,500 Building $445,200 |
| 2024 | $5,620.00 (-7.17%) | $675,800 Land $208,400 Building $467,400 | $675,800 Land $208,400 Building $467,400 |
| 2023 | $6,054.00 Homeowner's exemption | ||
| 2022 | $536,800 (+6.83%) Land $154,900 Building $381,900 | $536,800 (+6.83%) Land $154,900 Building $381,900 | |
| 2021 | $502,500 Land $155,000 Building $347,500 | $502,500 Land $155,000 Building $347,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5019 S Bay Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 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 risk around 5019 S Bay 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
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