5395 Shady Ln, Duluth, MN 55811 Property Records

St. Louis County property record for 5395 Shady Ln, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,636 sqft · built 2000
Lot Size	1.58 acres (68,984 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (May 2022)
Tax Bill	$6,922 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`280-0095-00040`

Property Details

APN / Parcel Number

Primary APN	`280-0095-00040`
Alternative APN	`1130142`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,636 sqft Gross Area
1st Floor Area	1,976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Lot Area	68,984 sqft (1.58 acres)
Garage Area	2,283 sqft

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	108 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1130142
Street Address	5395 SHADY LN
City	DULUTH
State	MN
Zip	55811-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	TRACT D SERIAL #
Legal Subdivision	REGISTERED LAND SURVEY NO 44
Legal Tract	D
Jurisdiction	ST LOUIS MN
Township / Civil Division	CANOSIA
Census Block Group	2
Census Block	2021
Census Tract	10602

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	5395 SHADY LN, DULUTH, MN 55811-9732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRICITY CU
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit CENTRICITY CU
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTRICITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Deed Document Number	20221056488
Prior Transfer Date	Jan 23, 2001
Prior Transfer Doc	0000696243
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 11, 2022
Property Address	5395 SHADY LN, DULUTH, MN 55811-9732
Document Number	0001056488
Instrument Date	May 2, 2022
Instrument	1056488
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,897.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5395 SHADY LN, DULUTH, MN 55811-9732

Mortgage

Document Number	0001056489
Date	May 11, 2022
Instrument	1056489

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5395 SHADY LN, DULUTH, MN 55811-9732
Document Number	00T1030371
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 12, 2020
Title Company	SERVION TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5395 SHADY LN DULUTH MN 558119732, DULUTH, MN 55811-9732

Mortgage

Document Number	00T1030371
Date	Oct 12, 2020
Instrument	T1030371

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 11, 2040

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5395 SHADY LN, DULUTH, MN 55811-9732
Document Number	00T1012945
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5395 SHADY LN DULUTH MN 558119732, DULUTH, MN 55811-9732

Mortgage

Document Number	00T1012945
Date	Jul 29, 2019
Instrument	T1012945

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 28, 2044

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5395 SHADY LN, DULUTH, MN 55811-9732
Document Number	00T1012836
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 2, 2019
Title Company	PIONEER ABSTRACT AND TITLE COMPANY INC, PIONEER ABS & TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5395 SHADY LN DULUTH MN 558119732, DULUTH, MN 55811-9732

Mortgage

Document Number	00T1012836
Date	Jul 24, 2019
Instrument	T1012836

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 23, 2039

Tax Assessment & Valuation

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	$6,922.00 (+6.62%) Homeowner's exemption
2025	$6,492.00 (-6.13%) Homeowner's exemption	$655,800 (+3.23%) Land $55,800 Building $600,000	$655,800 (+3.23%) Land $55,800 Building $600,000
2024	$6,916.00	$635,300 (+28.97%) Land $54,300 Building $581,000	$635,300 (+28.97%) Land $54,300 Building $581,000
2022		$492,600 Land $49,100 Building $443,500	$492,600 Land $49,100 Building $443,500

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Cable	250 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Shady Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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