5041 S Bay Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5041 S Bay Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,124 sqft · built 1993
Lot Size	1.3 acres (56,677 sqft)
Owner	Individual Name on File
Last Sale	$126,151 (Jan 2023)
Tax Bill	$6,866 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`365-0140-00080`

Property Details

APN / Parcel Number

Primary APN	`365-0140-00080`
Alternative APNs	`1061398` `1143207`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,124 sqft Gross Area
1st Floor Area	1,124 sqft
Basement Area	936 sqft
Finished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	56,677 sqft (1.3 acres)
Garage Area	636 sqft

Exterior Amenities

Deck Area	139 sqft
Patio Area	443 sqft
Pole Barn	1,620 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1143207
Street Address	5041 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 8, BLOCK 1, BEING UPLAND OFA 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	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	FREDENBERG
Census Block Group	1
Census Block	1016
Census Tract	10602

Owner

5041 S Bay Rd is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5041 S BAY RD, DULUTH, MN 55803-8404
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Limited Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jul 29, 2022	Intrafamily Transfer, Transfer
Jul 11, 2018	Warranty Deed, Transfer CONSOLIDATED TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2023 · Amount on File
Deed Sale	Jan 3, 2023 · Amount on File
Deed Document Number	20231459688
Prior Transfer Date	Jul 21, 2022
Prior Transfer Doc	0001448549
Record Updated	Sep 20, 2026

January 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 3, 2023
Property Address	5041 S BAY RD, DULUTH, MN 55803-8404
Document Number	0001459688
Instrument Date	Dec 2, 2022
Instrument	1459688
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$416.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5041 S BAY RD, DULUTH, MN 55803-8404

Mortgage

Document Number	0001459689
Date	Jan 3, 2023
Instrument	1459689

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	159 Months
Due	Apr 7, 2036

Mortgage

Document Number	0001459690
Date	Jan 3, 2023
Instrument	1459690

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	DULUTH, MN 55803

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Dec 28, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jul 29, 2022
Property Address	5041 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

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 W SUPERIOR ST, DULUTH, MN 55802-2191

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 11, 2018
Property Address	5041 S BAY RD, DULUTH, MN 55803-8404
Document Number	00A1000075
Instrument Date	Jun 26, 2018
Instrument	A1000075
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	CONSOLIDATED TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$892.98
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4031 HAINES RD HERMANTOWN MN 558111709, HERMANTOWN, MN 55811-1709

Tax Assessment & Valuation

The 2026 property tax bill for 5041 S Bay Rd was $6,866 with a homeowner's exemption, up 5.2% 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	Fredenberg Township
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,866.00 (+5.21%) Homeowner's exemption
2025	$6,526.00 (+34.11%) Homeowner's exemption	$582,500 (-6.2%) Land $222,100 Building $360,400	$582,500 (-6.2%) Land $222,100 Building $360,400
2024	$4,866.00	$621,000 Land $246,100 Building $374,900	$621,000 Land $246,100 Building $374,900
2022		$471,600 Land $163,700 Building $307,900	$471,600 Land $163,700 Building $307,900

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

Flood

FEMA maps place 5041 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

Wildfire risk around 5041 S Bay Rd is low, with less than 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 94% of the US · lower than 82% 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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