5043 White Pine St, Duluth, MN 55811 Property Records

St. Louis County property record for 5043 White Pine St, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,400 sqft · built 2012
Lot Size	0.559 acres (24,382 sqft)
Owner	Individual Name on File
Last Sale	$54,500 (Jun 2011)
Tax Bill	$7,470 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`395-0113-00100`

Property Details

APN / Parcel Number

Primary APN	`395-0113-00100`
Alternative APN	`963969`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,400 sqft Gross Area
1st Floor Area	1,400 sqft
Basement Area	1,050 sqft
Finished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	24,382 sqft (0.559 acres)
Garage Area	1,024 sqft

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	16 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	963969
Street Address	5043 WHITE PINE ST
City	DULUTH
State	MN
Zip	55811-1795
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLOCK 3 SERIAL #
Legal Subdivision	HIDDEN CREEK PRESERVE
Legal Block	3
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	2
Census Block	2000
Census Tract	10302

Owner

Source: St. Louis County assessment roll, 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	Individual Name on File
Mailing Address	5043 WHITE PINE ST, DULUTH, MN 55811-1795
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jun 12, 2019	Deed of Trust, Mortgage · Line of Credit CENTRICITY CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 3, 2011 · Amount on Record
Deed Sale	Jun 3, 2011 · Amount on Record
Prior Sale	Jun 30, 2006 · Amount on Record
Deed Document Number	201162382
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5043 WHITE PINE ST, DULUTH, MN 55811-1795
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	RESULTS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403824
Date	Feb 12, 2021
Instrument	1403824

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5043 WHITE PINE ST, DULUTH, MN 55811-1795
Document Number	00A1356837
Instrument Date	Jun 12, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5043 WHITE PINE ST HERMANTOWN MN 558111795, HERMANTOWN, MN 55811-1795

Mortgage

Document Number	00A1356837
Date	Jun 18, 2019
Instrument	A1356837

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 17, 2044

Interest

Rate Type	Adjustable Rate

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	$7,470.00 (+10.14%) Homeowner's exemption
2025	$6,782.00 (+5.7%) Homeowner's exemption	$574,400 (+15.69%) Land $90,700 Building $483,700	$574,400 (+15.69%) Land $90,700 Building $483,700
2024	$6,416.00	$496,500 (+19.44%) Land $87,200 Building $409,300	$496,500 (+19.44%) Land $87,200 Building $409,300
2022		$415,700 Land $64,800 Building $350,900	$415,700 Land $64,800 Building $350,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 98% of the US · lower than 92% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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