5324 Tioga St, Duluth, MN 55804 Property Records

St. Louis County property record for 5324 Tioga St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,456 sqft · built 1915
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$242,500 (May 2020)
Tax Bill	$3,960 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-3080-02500`

Property Details

APN / Parcel Number

Primary APN	`010-3080-02500`
Alternative APN	`1089513`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Gross Area
1st Floor Area	1,104 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	624 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	25 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1089513
Street Address	5324 TIOGA ST
City	DULUTH
State	MN
Zip	55804-1668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 06 BLOCK:010 SERIAL #
Legal Subdivision	ALTERED LONDON PARK ADD TO DUL
Legal Block	10
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2018
Census Tract	200

Owner

5324 Tioga St is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5324 TIOGA ST, DULUTH, MN 55804-1668
Occupancy	Owner Occupied
Owner Type	Individual

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
May 13, 2020	Warranty Deed, Transfer · Conventional with PMI FRANDSEN BK&TR
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit ROYAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2020 · Amount on File
Deed Sale	May 13, 2020 · Amount on File
Prior Sale	Apr 21, 2016 · Amount on File
Deed Document Number	20201379682
Record Updated	Sep 20, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 13, 2020
Property Address	5324 TIOGA ST, DULUTH, MN 55804-1668
Document Number	00A1379682
Instrument Date	May 8, 2020
Instrument	A1379682
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5324 TIOGA ST DULUTH MN 558041668, DULUTH, MN 55804-1668

Mortgage

Document Number	A1379683
Date	May 13, 2020
Instrument	A1379683

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 12, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5324 TIOGA ST, DULUTH, MN 55804-1668
Document Number	00A1376491
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	324 TIOGA ST DULUTH MN 55804, DULUTH, MN 55804

Mortgage

Document Number	00A1376491
Date	Mar 25, 2020
Instrument	A1376491

Lender

Name	ROYAL CU
Type	Credit Union
Address	EAU CLAIRE, WI 54703

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 24, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5324 Tioga St was $3,960, up 6.7% 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
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,960.00 (+6.68%)
2025	$3,712.00 (+0.6%)	$286,900 (+6.26%) Land $47,800 Building $239,100	$286,900 (+6.26%) Land $47,800 Building $239,100
2024	$3,690.00	$270,000 Land $46,200 Building $223,800	$270,000 Land $46,200 Building $223,800
2022		$239,000 Land $35,500 Building $203,500	$239,000 Land $35,500 Building $203,500

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

Flood

FEMA maps place 5324 Tioga St 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 5324 Tioga St 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 612 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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