5524 White Pine Dr, Duluth, MN 55803 Property Records

St. Louis County property record for 5524 White Pine Dr, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,390 sqft · built 1994
Lot Size	9.09 acres (395,960 sqft)
Owner	Individual Name on Record
Last Sale	$59,300 (Jul 2002)
Tax Bill	$9,104 (2026)
Deeds & Mortgages	Jul 2018 Loan Modification Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`365-0010-00765`

Property Details

APN / Parcel Number

Primary APN	`365-0010-00765`
Alternative APN	`23429`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,390 sqft Gross Area
1st Floor Area	2,091 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood
Construction Type	Frame
Lot Area	395,960 sqft (9.09 acres)
Garage Area	2,324 sqft

Exterior Amenities

Porch	Slab
Porch Area	387 sqft
Storage Building	468 sqft
Pole Barn	2,564 sqft
Boat House	352 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	23429
Street Address	5524 WHITE PINE DR
City	DULUTH
State	MN
Zip	55803-9455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	THAT PART OF GOVT LOT 1, DESCRIBED ASFOLLOWS: STARTING AT THE SOUTHEAST CORNER ANDFOLLOWING THE EAST LINE OF GOVT LOT 1
Legal Range	15W
Legal Township	52N
Legal Section	05
Legal Subdivision	FREDENBERG TOWN OF
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	FREDENBERG
Census Block Group	1
Census Block	1013
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	5524 WHITE PINE DR, DULUTH, MN 55803-9455
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2018	Loan Modification, Mortgage
Jun 13, 2017	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2002 · Amount on Record
Deed Sale	Jul 16, 2002 · Amount on Record
Deed Document Number	2002727100
Record Updated	Sep 20, 2026

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	5524 WHITE PINE DR, DULUTH, MN 55803-9455
Document Number	0A10018220
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 6, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5524 WHITE PINE DR DULUTH MN 558039455, DULUTH, MN 55803-9455

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5524 WHITE PINE DR, DULUTH, MN 55803-9455
Document Number	000T986271
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5524 WHITE PINE DR DULUTH MN 558039455, DULUTH, MN 55803-9455

Mortgage

Document Number	000T986271
Date	Jun 22, 2017
Instrument	T986271

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

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	Fredenberg Township
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,104.00 (-4.31%) Homeowner's exemption
2025	$9,514.00 (+3.05%) Homeowner's exemption	$869,700 (+0.6%) Land $171,700 Building $698,000	$869,700 (+0.6%) Land $171,700 Building $698,000
2024	$9,232.00	$864,500 (+4.88%) Land $172,800 Building $691,700	$864,500 (+4.88%) Land $172,800 Building $691,700
2022		$824,300 Land $165,100 Building $659,200	$824,300 Land $165,100 Building $659,200

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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