5191 N Shore Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 5191 N Shore Dr, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,244 sqft · built 1952
Lot Size	1.02 acres (44,666 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Sep 2012)
Tax Bill	$4,150 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`315-0050-00460`

Property Details

APN / Parcel Number

Primary APN	`315-0050-00460`
Alternative APN	`939186`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,244 sqft Gross Area
1st Floor Area	1,244 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	44,666 sqft (1.02 acres)
Garage Area	528 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	60 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	939186
Street Address	5191 N SHORE DR
City	DULUTH
State	MN
Zip	55804-2942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOTS 14 AND 15 SERIAL #
Legal Subdivision	GREENWOOD BEACH TOWN OF DULUTH
Legal Block	2
Legal Lot Number	14-15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2053
Census Tract	10500

Owner

5191 N Shore Dr is owned and occupied by an individual who bought it in September 2012.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	5191 N SHORE DR, DULUTH, MN 55804-2942
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2012 · Amount on File
Deed Sale	Sep 26, 2012 · Amount on File
Prior Sale	Apr 26, 2005 · Amount on File
Deed Document Number	2012920298
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5191 N SHORE DR, DULUTH, MN 55804-2942
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5191 N SHORE DR, DULUTH, MN 55804-2942

Mortgage

Document Number	0001100039
Date	Mar 31, 2026
Instrument	1100039

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5191 N SHORE DR, DULUTH, MN 55804-2942
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001054486
Date	Mar 16, 2022
Instrument	1054486

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 5191 N Shore Dr was $4,150 with a homeowner's exemption, down 25.4% from the year before.

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	$4,150.00 (-25.44%) Homeowner's exemption
2025	$5,566.00 (+61.71%) Homeowner's exemption	$435,000 (+7.2%) Land $84,000 Building $351,000	$435,000 (+7.2%) Land $84,000 Building $351,000
2024	$3,442.00	$405,800 Land $80,600 Building $325,200	$405,800 Land $80,600 Building $325,200
2022		$187,200 Land $54,900 Building $132,300	$187,200 Land $54,900 Building $132,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5191 N Shore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 5191 N Shore Dr is low, with less than a 0.01% annual chance of 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 80% 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 42 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Shore Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures