St. Louis County property record for 5226 Pontoon Bay Rd, Duluth, MN 55803 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,161 sqft · built 1977 |
| Owner | Company Name on File |
| Tax Bill | $172 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Feb 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 365-6000-42150 |
| Primary APN | 365-6000-42150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,161 sqft Gross Area |
| 1st Floor Area | 1,046 sqft |
| Basement Area | 734 sqft |
| Finished Basement | 734 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Garage Area | 720 sqft |
| Deck Area | 405 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 1107478 |
|---|---|
| Street Address | 5226 PONTOON BAY RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE 1/4 OF NW 1/4 LEASE #05-11MP 365-10-4880**CONSOLIDATED WITH PARCEL 365-0130-00170** SERIAL # |
| Legal Range | 15W |
| Legal Township | 52N |
| Legal Section | 27 |
| Legal Subdivision | MINNESOTA POWER LEASE SITES |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FREDENBERG |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10602 |
Source: St. Louis County records · APN 365-6000-42150
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 | Company Name on File |
|---|---|
| Mailing Address | 5226 PONTOON BAY RD, DULUTH, MN 55803-9445 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Line of Credit HERMANTOWN FCU |
| Feb 06, 2025 | Limited Warranty Deed, Transfer · Conventional Mortgage HERMANTOWN FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5226 PONTOON BAY RD, DULUTH, MN 55803-9445 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5226 PONTOON BAY RD, DULUTH, MN 55803-9445 |
| Document Number | 0001522357 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 1522357 |
| Name | HERMANTOWN FCU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 03, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 06, 2025 |
| Property Address | 5226 PONTOON BAY RD, DULUTH, MN 55803-9445 |
| Document Number | 0001504633 |
| Instrument Date | Jan 27, 2025 |
| Instrument | 1504633 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $346.17 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5226 PONTOON BAY RD, DULUTH, MN 55803-9445 |
| Document Number | 0001504634 |
|---|---|
| Date | Feb 06, 2025 |
| Instrument | 1504634 |
| Name | HERMANTOWN FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2055 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Fredenberg Township |
| Unified School District | Hermantown Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $172.00 (-95.17%) | ||
| 2024 | $3,560.00 | $14,000 (-96%) Land $14,000 | $366,900 (+4.92%) Land $104,900 Building $262,000 |
| 2022 | $349,700 Land $99,700 Building $250,000 | $349,700 Land $99,700 Building $250,000 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370106022, 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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2022–2024) |
| Most Recent Claim | Jun 2024, river or lake flooding, Severe Storms And Flooding |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 7 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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