St. Louis County property record for 5075 S Bay Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 2,112 sqft · built 1999 |
| Lot Size | 3.21 acres (139,899 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $131,560 (Nov 2022) |
| Tax Bill | $6,714 (2026) |
| Deeds & Mortgages | Nov 2022 Sale & Line of Credit Jul 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 365-0140-00040 |
| Primary APN | 365-0140-00040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Gross Area |
| 1st Floor Area | 1,408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 139,899 sqft (3.21 acres) |
| Garage Area | 960 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 48 sqft |
| Storage Building | 192 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1139621 |
|---|---|
| Street Address | 5075 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 4, 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 | 4 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FREDENBERG |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 10602 |
Source: St. Louis County records, 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 Record |
|---|---|
| Mailing Address | 5075 S BAY RD, DULUTH, MN 55803-8404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2022 | Limited Warranty Deed, Transfer · Line of Credit HERMANTOWN FCU |
| Jul 29, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2022 · Amount on Record |
| Deed Sale | Nov 2, 2022 · Amount on Record |
| Deed Document Number | 20221455594 |
| Prior Transfer Date | Jul 21, 2022 |
| Prior Transfer Doc | 0001448549 |
| Record Updated | Sep 20, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 2, 2022 |
| Property Address | 5075 S BAY RD, DULUTH, MN 55803-8404 |
| Document Number | 0001455594 |
| Instrument Date | Oct 25, 2022 |
| Instrument | 1455594 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $434.15 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5075 S BAY RD, DULUTH, MN 55803-8404 |
| Document Number | 0001455923 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | 1455923 |
| Name | HERMANTOWN FCU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Aug 30, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 29, 2022 |
| Property Address | 5075 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 |
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 | $6,714.00 (+5.24%) Homeowner's exemption | ||
| 2025 | $6,380.00 (+29.83%) Homeowner's exemption | $625,100 (+2.61%) Land $219,000 Building $406,100 | $625,100 (+2.61%) Land $219,000 Building $406,100 |
| 2024 | $4,914.00 | $609,200 (+27.88%) Land $223,300 Building $385,900 | $609,200 (+27.88%) Land $223,300 Building $385,900 |
| 2022 | $476,400 Land $148,000 Building $328,400 | $476,400 Land $148,000 Building $328,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 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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