5403 N Shore Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 5403 N Shore Dr, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,092 sqft · built 1986
Lot Size	1.24 acres (54,123 sqft)
Owner	Individual Name on File
Tax Bill	$4,788 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`315-0090-00020`

Property Details

APN / Parcel Number

Primary APN	`315-0090-00020`
Alternative APN	`865330`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,092 sqft Gross Area
1st Floor Area	1,092 sqft
Basement Area	874 sqft
Finished Basement	874 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Lot Area	54,123 sqft (1.24 acres)
Garage Area	832 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	28 sqft
Storage Building	84 sqft
Pole Barn	2,240 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	865330
Street Address	5403 N SHORE DR
City	DULUTH
State	MN
Zip	55804-2939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	TRACT B SERIAL #
Legal Subdivision	REGISTERED LAND SURVEY NO 54
Legal Tract	B
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1058
Census Tract	10500

Owner

Source: St. Louis County records · APN 315-0090-00020

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	5403 N SHORE DR, DULUTH, MN 55804-2939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Dec 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Apr 22, 2008
Transfer Doc	0000853142
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5403 N SHORE DR, DULUTH, MN 55804-2939
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54034 N ORTH SHORE DRIVE, DULUTH, MN 55802

Mortgage

Document Number	0001051519
Date	Dec 28, 2021
Instrument	1051519

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 02, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5403 N SHORE DR, DULUTH, MN 55804-2939
Document Number	00T1033689
Instrument Date	Dec 03, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5403 N SHORE DR DULUTH MN 558042939, DULUTH, MN 55804-2939

Mortgage

Document Number	00T1033689
Date	Dec 15, 2020
Instrument	T1033689

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 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
County Subdivision	Duluth Township
Unified School District	Lake Superior 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	$4,788.00 (+9.82%) Homeowner's exemption
2025	$4,360.00 (+5.52%) Homeowner's exemption	$501,100 (+4.74%) Land $87,100 Building $414,000	$501,100 (+4.74%) Land $87,100 Building $414,000
2024	$4,132.00	$478,400 (+55.02%) Land $83,500 Building $394,900	$478,400 (+55.02%) Land $83,500 Building $394,900
2022		$308,600 Land $56,800 Building $251,800	$308,600 Land $56,800 Building $251,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1993)
Most Recent Claim	May 1993 · erosion

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Zito West Holding Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Based on FCC filings for 14 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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