5125 Cedar Rdg Dr, Duluth, MN 55811 Property Records

St. Louis County property record for 5125 Cedar Rdg Dr, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,657 sqft · built 2010
Lot Size	2.66 acres (115,986 sqft)
Owner	Individual Name on Record
Last Sale	$675,000 (Oct 2020)
Tax Bill	$10,970 (2026)
Deeds & Mortgages	Oct 2025 Sale Mar 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`395-0055-00050`

Property Details

APN / Parcel Number

Primary APN	`395-0055-00050`
Alternative APN	`1097134`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,657 sqft Gross Area
1st Floor Area	1,657 sqft
Basement Area	1,242 sqft
Finished Basement	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Block
Construction Type	Frame
Lot Area	115,986 sqft (2.66 acres)
Garage Area	1,836 sqft

Exterior Amenities

Porch	Slab
Porch Area	276 sqft
Deck Area	224 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1097134
Street Address	5125 CEDAR RIDGE DR
City	DULUTH
State	MN
Zip	55811-1353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLOCK 1 SERIAL #
Legal Subdivision	EVERGREEN FOURTH ADDITION
Legal Block	1
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	HERMANTOWN
Census Block Group	2
Census Block	2002
Census Tract	10301

Owner

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	5125 CEDAR RIDGE DR, DULUTH, MN 55811-1353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit BELL BANK
Oct 1, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE
Oct 1, 2020	Warranty Deed, Transfer NOT AVAILABLE
Dec 21, 2017	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Prior Sale	Oct 1, 2020 · Amount on Record
Deed Document Number	20201391879
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 9, 2025
Property Address	5125 CEDAR RIDGE DR, DULUTH, MN 55811-1353
Document Number	0001519966
Instrument Date	Oct 6, 2025
Instrument	1519966
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Tax	$2,821.50
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	5134 CEDAR RIDGE DR, HERMANTOWN, MN 55811-1353

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5125 CEDAR RIDGE DR, DULUTH, MN 55811-1353
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 CEDAR RIDGE DR, HERMANTOWN, MN 55811-1353

Mortgage

Document Number	0001405547
Date	Mar 2, 2021
Instrument	1405547

Lender

Name	BELL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Feb 17, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 1, 2020
Property Address	5125 CEDAR RIDGE DR, DULUTH, MN 55811-1353
Document Number	00A1391879
Instrument Date	Sep 11, 2020
Instrument	A1391879
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,228.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 CEDAR RIDGE DR HERMANTOWN MN 558111353, HERMANTOWN, MN 55811-1353

Mortgage

Document Number	A1391880
Date	Oct 1, 2020
Instrument	A1391880

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 1, 2020
Property Address	5125 CEDAR RIDGE DR, DULUTH, MN 55811-1353
Document Number	00A1391878
Instrument Date	Aug 31, 2020
Instrument	A1391878
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2,228.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	161 N CLARK ST #1250 CHICAGO IL 606014294, 1250, CHICAGO, IL 60601-4294
Investor	Possibly a Property Investor

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5125 CEDAR RIDGE DR, DULUTH, MN 55811-1353
Document Number	00A1325622
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5125 CEDAR RIDGE DR HERMANTOWN MN 558111353, HERMANTOWN, MN 55811-1353

Mortgage

Document Number	00A1325622
Date	Jan 9, 2018
Instrument	A1325622

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 8, 2023

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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	$10,970.00 (+2.47%) Homeowner's exemption
2025	$10,706.00 (+6.53%) Homeowner's exemption	$796,600 (+9.24%) Land $148,200 Building $648,400	$796,600 (+9.24%) Land $148,200 Building $648,400
2024	$10,050.00	$729,200 (+7.57%) Land $142,800 Building $586,400	$729,200 (+7.57%) Land $142,800 Building $586,400
2022		$677,900 Land $105,900 Building $572,000	$677,900 Land $105,900 Building $572,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 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.

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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

5125 Cedar Rdg Dr, Duluth, MN 55811 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cedar Rdg Dr

Nearby Streets

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