5265 Summers Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5265 Summers Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1.75 ba · 1,200 sqft · built 1990
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (May 2023)
Tax Bill	$4,766 (2026)
Deeds & Mortgages	Nov 2025 Transfer Jun 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`520-0016-00960`

Property Details

APN / Parcel Number

Primary APN	`520-0016-00960`
Alternative APNs	`1148822` `35219`

Interior

Full Baths	1.75 Baths
Stories	1 Story
Building Area	1,200 sqft Gross Area
1st Floor Area	1,200 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Lot Area	217,800 sqft (5 acres)
Garage Area	576 sqft
Deck Area	160 sqft
Storage Building	225 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1148822
Street Address	5265 SUMMERS RD
City	DULUTH
State	MN
Zip	55803-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF SW 1/4 OF NE 1/4 OF NW 1/4 SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	23
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1011
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0016-00960

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	Individual Name on File
Mailing Address	5265 SUMMERS RD, DULUTH, MN 55803-9313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Transfer on Death Deed, Transfer
Jun 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
May 18, 2023	Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM
Oct 27, 2022	Deed of Trust, Mortgage BENEDICTINE HEALTH CENTER
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Deed Document Number	20231068414
Last Transfer Date	Nov 18, 2025
Transfer Doc	0001096372
Record Updated	Sep 20, 2026

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 19, 2025
Property Address	5265 SUMMERS RD, DULUTH, MN 55803-9313
Document Number	0001096372
Instrument Date	Nov 18, 2025
Instrument	1096372
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5265 SUMMERS RD, DULUTH, MN 55803-9313
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001069330
Date	Jun 21, 2023
Instrument	1069330

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2030
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	7.99%
Index	1-Year T-Bill
Max Rate	10.9%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 18, 2023
Property Address	5265 SUMMERS RD, DULUTH, MN 55803-9313
Document Number	0001068414
Instrument Date	May 15, 2023
Instrument	1068414
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Tax	$1,171.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5265 SUMMERS RD, DULUTH, MN 55803-9313

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5265 SUMMERS RD, DULUTH, MN 55803-9313
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001062876
Date	Oct 27, 2022
Instrument	1062876

Lender

Name	BENEDICTINE HEALTH CENTER
Type	Non-Lending Institution
Address	935 KENWOOD AVE, DULUTH, MN 55811

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Sep 30, 2023

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5265 SUMMERS RD, DULUTH, MN 55803-9313
Document Number	00T1022848
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5265 SUMMERS RD DULUTH MN 558039313, DULUTH, MN 55803-9313

Mortgage

Document Number	00T1022848
Date	Apr 28, 2020
Instrument	T1022848

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2050

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Rice Lake City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

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	$4,766.00 (+3.74%) Homeowner's exemption
2025	$4,594.00 (+2.27%) Homeowner's exemption	$369,500 (+0.19%) Land $91,000 Building $278,500	$369,500 (+0.19%) Land $91,000 Building $278,500
2024	$4,492.00	$368,800 (+16.08%) Land $90,300 Building $278,500	$368,800 (+16.08%) Land $90,300 Building $278,500
2022		$317,700 Land $85,600 Building $232,100	$317,700 Land $85,600 Building $232,100

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Consolidated Telephone Company	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Summers Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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