5445 N Shore Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 5445 N Shore Dr, Duluth, MN 55804

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 1.75 ba · 1,510 sqft · built 2018
Lot Size	0.553 acres (24,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,500 (Jul 2025)
Tax Bill	$5,508 (2026)
Deeds & Mortgages	Feb 2019 Line of Credit Feb 2019 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`315-0065-00020`

Property Details

APN / Parcel Number

Primary APN	`315-0065-00020`
Alternative APNs	`1063167` `1185649`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,510 sqft Gross Area
1st Floor Area	1,510 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	24,094 sqft (0.553 acres)
Garage Area	1,120 sqft
Deck Area	50 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1185649
Street Address	5445 N SHORE DR
City	DULUTH
State	MN
Zip	55804-2912
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	SMU
Legal Description	LOTS 1 AND 2 EX NLY 125 FT SERIAL #
Legal Subdivision	WONDERLAND 2ND ADDITION
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1058
Census Tract	10500

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	2 Individual Names on Record
Mailing Address	5445 N SHORE DR, DULUTH, MN 55804-2912
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2019	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Feb 12, 2019	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
May 21, 2020	Deed of Trust, Mortgage GRANITE FALLS BK
May 13, 2019	Deed of Trust, Mortgage AMERISAVE MTG
Aug 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 13, 2018	Grant Deed, Transfer · Line of Credit HARBOR POINTE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Deed Document Number	20251092564
Prior Transfer Date	May 25, 2018
Prior Transfer Doc	00A1001588
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5445 N SHORE DR, DULUTH, MN 55804-2912
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 N SHORE DR, DULUTH, MN 55804-2912

Mortgage

Document Number	0001007831
Date	Feb 12, 2019
Instrument	1007831

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 25, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5445 N SHORE DR, DULUTH, MN 55804-2912
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001007830
Date	Feb 12, 2019
Instrument	1007830

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Apr 15, 2024

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5445 N SHORE DR, DULUTH, MN 55804-2912
Document Number	00T1024049
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5445 N SHORE DR DULUTH MN 558042912, DULUTH, MN 55804-2912

Mortgage

Document Number	00T1024049
Date	Jun 3, 2020
Instrument	T1024049

Lender

Name	GRANITE FALLS BK
Type	Bank
Address	GRANITE FALLS, MN 56241

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5445 N SHORE DR, DULUTH, MN 55804-2912
Document Number	00T1010899
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 7, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5445 N SHORE DR DULUTH MN 558042912, DULUTH, MN 55804-2912

Mortgage

Document Number	00T1010899
Date	May 30, 2019
Instrument	T1010899

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 29, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 16, 2018
Property Address	5445 N SHORE DR, DULUTH, MN 55804-2912
Document Number	00A1001588
Instrument Date	May 25, 2018
Instrument	A1001588
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5115 WYOMING ST DULUTH MN 558041262, DULUTH, MN 55804-1262

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 13, 2018
Property Address	5445 N SHORE DR, DULUTH, MN 55804-2912
Document Number	000T996951
Instrument Date	Mar 22, 2018
Instrument	T996951
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	CONSOLIDATED TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
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	6116 WYOMING ST DULUTH MN 55804, DULUTH, MN 55804

Mortgage

Document Number	T996952
Date	Apr 13, 2018
Instrument	T996952

Lender

Name	HARBOR POINTE CU
Address	11 W 2ND ST, DULUTH, MN 55802-2014

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 12, 2023

Interest

Rate Type	Adjustable Rate

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	Duluth Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,508.00 (+12.22%) Homeowner's exemption
2025	$4,908.00 (+13.4%) Homeowner's exemption	$640,200 (+4.76%) Land $62,300 Building $577,900	$640,200 (+4.76%) Land $62,300 Building $577,900
2024	$4,328.00	$611,100 (+48.98%) Land $59,800 Building $551,300	$611,100 (+48.98%) Land $59,800 Building $551,300
2022		$410,200 Land $41,600 Building $368,600	$410,200 Land $41,600 Building $368,600

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
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

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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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