5277 Jean Duluth Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5277 Jean Duluth Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,950 sqft · built 2011
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$469,000 (Apr 2019)
Tax Bill	$8,596 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0016-01693`

Property Details

APN / Parcel Number

Primary APN	`520-0016-01693`
Alternative APN	`1017543`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,950 sqft Gross Area
1st Floor Area	1,320 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Wood
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	1,521 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	352 sqft
Deck Area	180 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1017543
Street Address	5277 JEAN DULUTH RD
City	DULUTH
State	MN
Zip	55803-9700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE1/4 OF NE1/4 EX N1/2 & EX S1/2 OF S1/2 &EX ELY 660 FT 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	1005
Census Tract	10400

Owner

Source: St. Louis County records, 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 Record
Mailing Address	5279 JEAN DULUTH RD, DULUTH, MN 55803-9700
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST
Apr 19, 2019	Warranty Deed, Transfer · Conventional Mortgage STEVEN J & MARY R KOSZAREK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2019 · Amount on Record
Deed Sale	Apr 19, 2019 · Amount on Record
Deed Document Number	20191353438
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5277 JEAN DULUTH RD, DULUTH, MN 55803-9700
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001444783
Date	Jun 8, 2022
Instrument	1444783

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	SAINT PAUL, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Type Change Date	Aug 1, 2027
Change Frequency	3 Years
Min Rate At Change	2.45%
Max Rate At Change	12.3%
Index	3-Year CMT
Max Rate	12.3%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 19, 2019
Property Address	5277 JEAN DULUTH RD, DULUTH, MN 55803-9700
Document Number	00A1353438
Instrument Date	Apr 5, 2019
Instrument	A1353438
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,547.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5279 JEAN DULUTH RD DULUTH MN 558039700, DULUTH, MN 55803-9700

Mortgage

Document Number	1353439
Date	Apr 19, 2019
Instrument	1353439

Lender

Name	STEVEN J & MARY R KOSZAREK
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 18, 2034

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,596.00 (+3.64%)
2025	$8,294.00 (+4.38%)	$528,100 (+0.06%) Land $38,800 Building $489,300	$528,100 (+0.06%) Land $38,800 Building $489,300
2024	$7,946.00	$527,800 (+18.74%) Land $38,500 Building $489,300	$527,800 (+18.74%) Land $38,500 Building $489,300
2022		$444,500 Land $36,800 Building $407,700	$444,500 Land $36,800 Building $407,700

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	3 in force
Nearby Flood Claims	4 (1991–2001)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: CenturyLink.

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