5223 N Shore Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 5223 N Shore Dr, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,152 sqft · built 1957
Lot Size	0.265 acres (11,565 sqft)
Owner	2 Individual Names on File
Last Sale	$101,000 (Dec 2015)
Tax Bill	$3,612 (2026)
Deeds & Mortgages	Oct 2025 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`315-0050-00695`

Property Details

APN / Parcel Number

Primary APN	`315-0050-00695`
Alternative APN	`1008065`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,152 sqft Gross Area
1st Floor Area	1,152 sqft
Basement Area	918 sqft
Finished Basement	918 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	11,565 sqft (0.265 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	90 sqft
Patio Area	360 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1008065
Street Address	5223 N SHORE DR
City	DULUTH
State	MN
Zip	55804-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	SLY 150 FT SERIAL #
Legal Subdivision	GREENWOOD BEACH TOWN OF DULUTH
Legal Block	3
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2053
Census Tract	10500

Owner

5223 N Shore Dr is owned and occupied by two individuals who acquired it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5223 N SHORE DR, DULUTH, MN 55804-2911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Oct 13, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 18, 2020	Deed of Trust, Mortgage · FHA Mortgage OPEN MTG
Sep 18, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2015 · Amount on File
Deed Sale	Dec 2, 2015 · Amount on File
Prior Sale	Feb 4, 2015 · Amount on File
Deed Document Number	2015473079
Last Transfer Date	May 21, 2025
Transfer Doc	0001095107
Record Updated	Sep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 13, 2025
Property Address	5223 N SHORE DR, DULUTH, MN 55804-2911
Document Number	0001095107
Instrument Date	May 21, 2025
Instrument	1095107
Transaction Type	Transfer
Record Updated	Nov 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5223 N SHORE DR, DULUTH, MN 55804-2911

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	9019 E SUPERIOR ST, DULUTH, MN 55804-2706

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5223 N SHORE DR, DULUTH, MN 55804-2911
Document Number	00T1030921
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5223 N SHORE DR DULUTH MN 558042911, DULUTH, MN 55804-2911

Mortgage

Document Number	00T1030921
Date	Oct 22, 2020
Instrument	T1030921

Lender

Name	OPEN MTG
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	2.91%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5223 N SHORE DR, DULUTH, MN 55804-2911
Document Number	00T1030922
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5223 N SHORE DR DULUTH MN 558042911, DULUTH, MN 55804-2911

Mortgage

Document Number	00T1030922
Date	Oct 22, 2020
Instrument	T1030922

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	2.91%

Tax Assessment & Valuation

The 2026 property tax bill for 5223 N Shore Dr was $3,612 with a homeowner's exemption, up 12.2% 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	$3,612.00 (+12.24%) Homeowner's exemption
2025	$3,218.00 (+6.56%) Homeowner's exemption	$464,700 (+4.73%) Land $58,100 Building $406,600	$464,700 (+4.73%) Land $58,100 Building $406,600
2024	$3,020.00	$443,700 Land $55,800 Building $387,900	$443,700 Land $55,800 Building $387,900
2022		$286,000 Land $38,700 Building $247,300	$286,000 Land $38,700 Building $247,300

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

Flood

FEMA maps place 5223 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 5223 N Shore Dr is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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