St. Louis County property record for 5196 Eagle Lake Rd, Duluth, MN 55803 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.25 ba · 2,576 sqft · built 2018 |
| Lot Size | 4.55 acres (198,198 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $765,000 (Jul 2026) |
| Tax Bill | $7,998 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Apr 2023 Line of Credit + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0016-01907 |
| Primary APN | 520-0016-01907 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,576 sqft Gross Area |
| 1st Floor Area | 1,512 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 198,198 sqft (4.55 acres) |
| Garage Area | 5,000 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 144 sqft |
| Patio Area | 322 sqft |
| Storage Building | 128 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1173598 |
|---|---|
| Street Address | 5196 EAGLE LAKE RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W1/2 OF N1/2 OF N1/2 OF NW1/4 OF SW1/4 EXNLY 30 FT THEREOF SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 24 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10400 |
Source: St. Louis County records · APN 520-0016-01907
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 07, 2026 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Apr 18, 2023 | Deed of Trust, Mortgage · Line of Credit FRANDSEN BANK & TRUST |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BK&TR |
| Apr 03, 2020 | Deed of Trust, Mortgage · Line of Credit FRANDSEN BK&TR |
| Apr 03, 2020 | Deed of Trust, Mortgage · Line of Credit FRANDSEN BK&TR |
| Feb 28, 2019 | Deed of Trust, Mortgage FRANDSEN BK&TR |
| Nov 08, 2018 | Loan Modification, Mortgage FRANDSEN BK&TR |
| Aug 07, 2018 | Loan Modification, Mortgage FRANDSEN BK&TR |
| Aug 14, 2017 | Warranty Deed, Construction Loan · Line of Credit FRANDSEN BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 2026 · Amount on Record |
| Deed Sale | Jul 07, 2026 · Amount on Record |
| Prior Sale | Oct 24, 2024 · Amount on Record |
| Deed Document Number | 20261103271 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 07, 2026 |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 0001103271 |
| Instrument Date | Jul 07, 2026 |
| Instrument | 20261103271 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2026 |
| Title Company | TITLE TEAM LLC, TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $254,974.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 0001103272, |
|---|---|
| Date | Jul 07, 2026 |
| Instrument | 20261103272 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001067548 |
|---|---|
| Date | Apr 18, 2023 |
| Instrument | 1067548 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Mar 25, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 00T1034100 |
| Instrument Date | Dec 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2021 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5196 EALE LAKE RD DULUTH MN 55803, DULUTH, MN 55803 |
| Document Number | 00T1034100 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | T1034100 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | NEW ULM, MN 56073 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 00A1377857 |
| Instrument Date | Apr 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5196 EAGLE LAKE RD DULUTH MN 558031105, DULUTH, MN 55803-1105 |
| Document Number | 00A1377857 |
|---|---|
| Date | Apr 22, 2020 |
| Instrument | A1377857 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 21, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 00T1023359 |
| Instrument Date | Apr 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5196 EAGLE LAKE RD DULUTH MN 558031105, DULUTH, MN 55803-1105 |
| Document Number | 00T1023359 |
|---|---|
| Date | May 13, 2020 |
| Instrument | T1023359 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 12, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 0001008204 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 08, 2019 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5196 EAGLE LAKE RD DULUTH MN 558031105, DULUTH, MN 55803-1105 |
| Document Number | 0001008204 |
|---|---|
| Date | Mar 01, 2019 |
| Instrument | 1008204 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | NEW ULM, MN 56073 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 28, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 0001005466 |
| Instrument Date | Nov 08, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | XXX EAGLE LAKE RD DULUTH MN 55803, DULUTH, MN 55803 |
| Document Number | 0001005466 |
|---|---|
| Date | Nov 29, 2018 |
| Instrument | 1005466 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Nov 28, 2019 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 00A1001463 |
| Instrument Date | Aug 07, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | EAGLE LAKE RD DULUTH MN 55803, DULUTH, MN 55803 |
| Document Number | 00A1001463 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | A1001463 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Term | 12 Months |
|---|---|
| Due | Aug 12, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 14, 2017 |
| Property Address | 5196 EAGLE LAKE RD, DULUTH, MN 55803-1105 |
| Document Number | 000T988588 |
| Instrument Date | Aug 07, 2017 |
| Instrument | T988588 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 06, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $115.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 415 CLAYMORE ST DULUTH MN 558031462, DULUTH, MN 55803-1462 |
| Document Number | T988589 |
|---|---|
| Date | Aug 14, 2017 |
| Instrument | T988589 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 13, 2018 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,998.00 (+3.65%) Homeowner's exemption | ||
| 2025 | $7,716.00 (+5.81%) Homeowner's exemption | $671,300 (+15.36%) Land $80,500 Building $590,800 | $671,300 (+15.36%) Land $80,500 Building $590,800 |
| 2024 | $7,292.00 | $581,900 (+17.77%) Land $79,600 Building $502,300 | $581,900 (+17.77%) Land $79,600 Building $502,300 |
| 2022 | $494,100 Land $75,500 Building $418,600 | $494,100 Land $75,500 Building $418,600 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370104001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Nearby Flood Policies | 3 in force 2 of 3 on primary residences |
| Nearby Flood Claims | 4 (1991–2001) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2001, rainfall accumulation, Severe Winter Storms, Flooding, And Tornadoes |
| Wildfire Risk | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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