5222 Boreal Cir, Duluth, MN 55804 Property Records

St. Louis County property record for 5222 Boreal Cir, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,801 sqft · built 2005
Lot Size	0.352 acres (15,331 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Mar 2020)
Tax Bill	$6,922 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2118-00060`

Property Details

APN / Parcel Number

Primary APN	`010-2118-00060`
Alternative APN	`1086543`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,801 sqft Gross Area
1st Floor Area	1,228 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Lot Area	15,331 sqft (0.352 acres)
Garage Area	441 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	344 sqft
Deck Area	96 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1086543
Street Address	5222 BOREAL CIR
City	DULUTH
State	MN
Zip	55804-1190
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 1 SERIAL #
Legal Subdivision	HAWK RIDGE ESTATES
Legal Block	1
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3001
Census Tract	200

Owner

Source: St. Louis County assessment roll, 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 File
Mailing Address	5222 BOREAL CIR, DULUTH, MN 55804-1190
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE BK
Mar 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE BK
Mar 6, 2020	Warranty Deed, Transfer · Conventional Mortgage LAKE BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 6, 2020 · Amount on Record
Deed Sale	Mar 6, 2020 · Amount on Record
Prior Sale	Jul 8, 2015 · Amount on Record
Deed Document Number	20201021245
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5222 BOREAL CIR, DULUTH, MN 55804-1190
Document Number	00T1034007
Instrument Date	Dec 8, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5222 BOREAL CIR DULUTH MN 558041190, DULUTH, MN 55804-1190

Mortgage

Document Number	00T1034007
Date	Dec 21, 2020
Instrument	T1034007

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 20, 2040

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5222 BOREAL CIR, DULUTH, MN 55804-1190
Document Number	00T1033059
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5222 BOREAL CIR DULUTH MN 558041190, DULUTH, MN 55804-1190

Mortgage

Document Number	00T1033059
Date	Dec 3, 2020
Instrument	T1033059

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 6, 2020
Property Address	5222 BOREAL CIR, DULUTH, MN 55804-1190
Document Number	00T1021245
Instrument Date	Feb 29, 2020
Instrument	T1021245
Transaction Type	Transfer
Record Updated	Mar 25, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5222 BOREAL CIR DULUTH MN 558041190, DULUTH, MN 55804-1190

Mortgage

Document Number	T1021246
Date	Mar 6, 2020
Instrument	T1021246

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,922.00 (+7.72%) Homeowner's exemption
2025	$6,426.00 (+2.95%) Homeowner's exemption	$517,400 (+9.5%) Land $83,400 Building $434,000	$517,400 (+9.5%) Land $83,400 Building $434,000
2024	$6,242.00	$472,500 (+15.72%) Land $83,400 Building $389,100	$472,500 (+15.72%) Land $83,400 Building $389,100
2022		$408,300 Land $95,200 Building $313,100	$408,300 Land $95,200 Building $313,100

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	6 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	May 1978 · tidal / storm surge

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 at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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