5482 Jean Duluth Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5482 Jean Duluth Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,002 sqft · built 2005
Lot Size	10.3 acres (449,975 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Sep 2023)
Tax Bill	$5,966 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`415-0010-04680`

Property Details

APN / Parcel Number

Primary APN	`415-0010-04680`
Alternative APNs	`1154409` `956734`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,002 sqft Gross Area
1st Floor Area	1,296 sqft
Basement Area	1,118 sqft
Finished Basement	1,118 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Logs
Construction Type	Frame
Lot Area	449,975 sqft (10.3 acres)
Garage Area	576 sqft
Deck Area	240 sqft
Patio Area	408 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Geothermal

Location & Zoning

Account Number	1154409
Street Address	5482 JEAN DULUTH RD
City	DULUTH
State	MN
Zip	55803-9749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	S 1/2 OF N 1/2 OF NW 1/4 OF NW 1/4 SERIAL #
Legal Range	13W
Legal Township	51N
Legal Section	18
Legal Subdivision	LAKEWOOD TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	LAKEWOOD
Census Block Group	2
Census Block	2023
Census Tract	10500

Owner

5482 Jean Duluth Rd is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5482 JEAN DULUTH RD, DULUTH, MN 55803-9749
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
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2023 · Amount on File
Deed Sale	Sep 11, 2023 · Amount on File
Prior Sale	Aug 29, 2023 · Amount on File
Deed Document Number	20231473676
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 11, 2023
Property Address	5482 JEAN DULUTH RD, DULUTH, MN 55803-9749
Document Number	0001473676
Instrument Date	Aug 29, 2023
Instrument	1473676
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,716.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5482 JEAN DULUTH RD, DULUTH, MN 55803-9749

Mortgage

Document Number	0001473677
Date	Sep 11, 2023
Instrument	1473677

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Sep 1, 2026
Change Frequency	3 Years
Min Rate At Change	3.7%
Max Rate At Change	7.7%
Index	3-Year TN
Max Rate	10.7%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5482 JEAN DULUTH RD, DULUTH, MN 55803-9749
Transaction Type	Mortgage
Record Updated	Mar 31, 2022
Title Company	MINNESOTA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001438877
Date	Mar 9, 2022
Instrument	1438877

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5482 JEAN DULUTH RD, DULUTH, MN 55803-9749
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001424016
Date	Sep 9, 2021
Instrument	1424016

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5482 JEAN DULUTH RD, DULUTH, MN 55803-9749
Document Number	00A1387248
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5482 JEAN DULUTH RD DULUTH MN 558039749, DULUTH, MN 55803-9749

Mortgage

Document Number	00A1387248
Date	Aug 6, 2020
Instrument	A1387248

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 5, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 5482 Jean Duluth Rd was $5,966 with a homeowner's exemption, up 6.4% 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	Lakewood Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,966.00 (+6.42%) Homeowner's exemption
2025	$5,606.00 Homeowner's exemption	$532,500 (+8.12%) Land $114,900 Building $417,600	$532,500 (+8.12%) Land $114,900 Building $417,600
2024		$492,500 Land $106,000 Building $386,500	$492,500 Land $106,000 Building $386,500
2023	$5,264.00 Homeowner's exemption
2022		$440,800 Land $101,200 Building $339,600	$440,800 Land $101,200 Building $339,600

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

Flood

FEMA maps place 5482 Jean Duluth Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.

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	1 in force
Nearby Flood Claims	2 (2012)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 2 claims

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 5482 Jean Duluth Rd 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	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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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