5181 N Shore Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 5181 N Shore Dr, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,920 sqft · built 1950
Lot Size	1.2 acres (52,688 sqft)
Owner	Individual Name on File
Last Sale	$522,000 (Feb 2020)
Tax Bill	$9,762 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`315-0050-00280`

Property Details

APN / Parcel Number

Primary APN	`315-0050-00280`
Alternative APNs	`1098966` `1180492`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,920 sqft Gross Area
1st Floor Area	1,576 sqft
Basement Area	672 sqft
Finished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	52,688 sqft (1.2 acres)
Garage Area	4,326 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	140 sqft
Deck Area	72 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1180492
Street Address	5181 N SHORE DR
City	DULUTH
State	MN
Zip	55804-2924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOTS 28 AND 29 SERIAL #
Legal Subdivision	GREENWOOD BEACH
Legal Block	1
Legal Lot Number	28-29
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2054
Census Tract	10500

Owner

Source: St. Louis County records, as of August 17, 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	Individual Name on File
Mailing Address	5167 GREENWOOD RD, DULUTH, MN 55804-2935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK NA
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK NA
Feb 3, 2020	Warranty Deed, Construction Loan · Line of Credit NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2020 · Amount on File
Deed Sale	Feb 3, 2020 · Amount on File
Prior Sale	Sep 18, 2003 · Amount on File
Deed Document Number	20201020199
Prior Transfer Date	Sep 11, 1998
Prior Transfer Doc	0000734004
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5181 N SHORE DR, DULUTH, MN 55804-2924
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5181 N SHORE DR, DULUTH, MN 55804-2924

Mortgage

Document Number	0001038690
Date	Apr 2, 2021
Instrument	1038690

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 4, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5181 N SHORE DR, DULUTH, MN 55804-2924
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001035942
Date	Feb 2, 2021
Instrument	1035942

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5181 N SHORE DR, DULUTH, MN 55804-2924
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036010
Date	Feb 3, 2021
Instrument	1036010

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

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

February 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 3, 2020
Property Address	5181 N SHORE DR, DULUTH, MN 55804-2924
Document Number	00T1020199
Instrument Date	Jan 31, 2020
Instrument	T1020199
Transaction Type	Construction Loan
Record Updated	Feb 24, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,723.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1915 FREMONT AVE S #1 MINNEAPOLIS MN 554032983, 1, MINNEAPOLIS, MN 55403-2983

Mortgage

Document Number	T1020200
Date	Feb 3, 2020
Instrument	T1020200

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 2, 2021

Interest

Rate Type	Adjustable Rate
Rate	4.75%

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	Duluth Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,762.00 (+10.38%) Homeowner's exemption
2025	$8,844.00 (-0.79%) Homeowner's exemption	$952,200 (+4.76%) Land $89,400 Building $862,800	$952,200 (+4.76%) Land $89,400 Building $862,800
2024	$8,914.00	$908,900 (+20.9%) Land $85,700 Building $823,200	$908,900 (+20.9%) Land $85,700 Building $823,200
2022		$751,800 Land $58,200 Building $693,600	$751,800 Land $58,200 Building $693,600

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2012)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 2 claims

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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