5069 S Bay Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5069 S Bay Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,820 sqft · built 1990
Lot Size	2.66 acres (116,090 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Dec 2025)
Tax Bill	$7,262 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`365-0140-00050`

Property Details

APN / Parcel Number

Primary APN	`365-0140-00050`
Alternative APNs	`1185696` `113882`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,820 sqft Gross Area
1st Floor Area	1,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	116,090 sqft (2.66 acres)
Garage Area	1,428 sqft

Exterior Amenities

Porch	Patio
Porch Area	130 sqft
Deck Area	919 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1185696
Street Address	5069 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 5, 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	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	FREDENBERG
Census Block Group	1
Census Block	1016
Census Tract	10602

Owner

Source: St. Louis County records, as of September 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5069 S BAY RD, DULUTH, MN 55803-8404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Dec 10, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Feb 2, 2023	Limited Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jul 29, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on Record
Deed Sale	Dec 10, 2025 · Amount on Record
Prior Sale	Aug 4, 2025 · Amount on Record
Deed Document Number	20251523812
Prior Transfer Date	Apr 21, 2023
Prior Transfer Doc	0001465412
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Aug 20, 2026
Property Address	5069 S BAY RD, DULUTH, MN 55803-8404
Document Number	0001538758
Instrument Date	Aug 7, 2026
Instrument	20261538758
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	5069 S BAY RD, DULUTH, MN 55803-8404

Mortgage

Document Number	0001538758,
Date	Aug 20, 2026
Instrument	20261538758

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 10, 2025
Property Address	5069 S BAY RD, DULUTH, MN 55803-8404
Document Number	0001523812
Instrument Date	Dec 1, 2025
Instrument	1523812
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,722.50
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	5069 S BAY RD, DULUTH, MN 55803-8404

Mortgage

Document Number	0001523813
Date	Dec 10, 2025
Instrument	1523813

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jan 1, 2027

February 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 2, 2023
Property Address	5069 S BAY RD, DULUTH, MN 55803-8404
Document Number	0001461219
Instrument Date	Jan 26, 2023
Instrument	1461219
Transaction Type	Transfer
Record Updated	Feb 24, 2023
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$510.68
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5069 S BAY RD, DULUTH, MN 55803-8404

Mortgage

Document Number	0001461220
Date	Feb 2, 2023
Instrument	1461220

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.74%
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	4.74%
Max Rate At Change	8.74%
Index	1-Year T-Bill
Max Rate	12.7%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jul 29, 2022
Property Address	5069 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

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	Fredenberg Township
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,262.00 (+5.15%) Homeowner's exemption
2025	$6,906.00 (+36%) Homeowner's exemption	$640,700 (-1.73%) Land $277,700 Building $363,000	$640,700 (-1.73%) Land $277,700 Building $363,000
2024	$5,078.00	$652,000 (+32.41%) Land $281,200 Building $370,800	$652,000 (+32.41%) Land $281,200 Building $370,800
2022		$492,400 Land $187,800 Building $304,600	$492,400 Land $187,800 Building $304,600

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 100 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

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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