5309 Shady Ln, Duluth, MN 55811 Property Records

St. Louis County property record for 5309 Shady Ln, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	220 sqft · built 1960
Lot Size	0.739 acres (32,225 sqft)
Owner	Trust Name on File
Last Sale	$290,000 (Sep 2018)
Tax Bill	$652 (2026)
Deeds & Mortgages	Jan 2021 Sale Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`280-0040-00940`

Property Details

APN / Parcel Number

Primary APN	`280-0040-00940`
Alternative APN	`1103688`

Interior

Stories	1 Story
Building Area	220 sqft Base Area
1st Floor Area	220 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	32,225 sqft (0.739 acres)
Storage Building	220 sqft

Location & Zoning

Account Number	1103688
Street Address	5309 SHADY LN
City	DULUTH
State	MN
Zip	55811-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0020 BLOCK:005 SERIAL #
Legal Subdivision	CARIBOU LAKE TRACTS
Legal Block	5
Legal Lot Number	20
Jurisdiction	ST LOUIS MN
Township / Civil Division	CANOSIA
Census Block Group	2
Census Block	2021
Census Tract	10602

Owner

5309 Shady Ln is owner-occupied and held in a trust since December 2020.

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

Owner of Record	Trust Name on File
Mailing Address	5309 SHADY LN, DULUTH, MN 55811-9732
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 22, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 15, 2020	Quit Claim Deed, Transfer CARDINAL FIN'L
Sep 28, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2018 · Amount on File
Deed Sale	Sep 28, 2018 · Amount on File
Deed Document Number	20181003239
Last Transfer Date	Dec 21, 2020
Transfer Doc	0001035485
Record Updated	Sep 20, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 22, 2021
Property Address	5309 SHADY LN, DULUTH, MN 55811-9732
Document Number	00T1035485
Instrument Date	Dec 21, 2020
Instrument	T1035485
Transaction Type	Transfer
Record Updated	Feb 10, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5309 SHADY LN DULUTH MN 558119732, DULUTH, MN 55811-9732

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 15, 2020
Property Address	5309 SHADY LN, DULUTH, MN 55811-9732
Document Number	00T1030556
Instrument Date	Sep 18, 2020
Instrument	T1030556
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5309 SHADY LN DULUTH MN 558119732, DULUTH, MN 55811-9732

Mortgage

Document Number	T1030557
Date	Oct 15, 2020
Instrument	T1030557

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 28, 2018
Property Address	5309 SHADY LN, DULUTH, MN 55811-9732
Document Number	00T1003239
Instrument Date	Sep 21, 2018
Instrument	T1003239
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$957.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5309 SHADY LN DULUTH MN 558119732, DULUTH, MN 55811-9732

Mortgage

Document Number	T1003240
Date	Sep 28, 2018
Instrument	T1003240

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 5309 Shady Ln was $652 with a homeowner's exemption, down 2.4% 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	Canosia Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$652.00 (-2.4%) Homeowner's exemption
2025	$668.00 (+19.29%) Homeowner's exemption	$60,600 (+0.83%) Land $59,800 Building $800	$60,600 (+0.83%) Land $59,800 Building $800
2024	$560.00	$60,100 Land $59,300 Building $800	$60,100 Land $59,300 Building $800
2022		$50,800 Land $50,200 Building $600	$50,800 Land $50,200 Building $600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5309 Shady Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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	2 in force
Nearby Flood Claims	2 (2022–2024)
Most Recent Claim	Jun 2024 · Severe Storms And Flooding

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 5309 Shady Ln 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)
Starlink Satellite	280 / 30
Midco Cable	250 / 20

May also be available: Verizon.

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