5538 Wahl Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 5538 Wahl Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,232 sqft · built 1977
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Dec 2015)
Tax Bill	$3,342 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`415-0010-03260`

Property Details

APN / Parcel Number

Primary APN	`415-0010-03260`
Alternative APN	`1001373`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,232 sqft Gross Area
1st Floor Area	656 sqft
Basement Area	432 sqft
Finished Basement	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	900 sqft

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	45 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1001373
Street Address	5538 WAHL RD
City	DULUTH
State	MN
Zip	55804-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	NW 1/4 OF SW 1/4 OF SE 1/4 EX S1/2 SERIAL #
Legal Range	13W
Legal Township	51N
Legal Section	10
Legal Subdivision	LAKEWOOD TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	LAKEWOOD
Census Block Group	2
Census Block	2019
Census Tract	10500

Owner

5538 Wahl Rd is owned and occupied by an individual who bought it in December 2015.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5538 WAHL RD, DULUTH, MN 55804-2820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
May 12, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2015 · Amount on File
Deed Sale	Dec 18, 2015 · Amount on File
Prior Sale	May 20, 2003 · Amount on File
Deed Document Number	20151276046
Prior Transfer Date	Mar 21, 2003
Prior Transfer Doc	0000899309
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jul 29, 2026
Property Address	5538 WAHL RD, DULUTH, MN 55804-2820
Document Number	0001537312
Instrument Date	Jun 26, 2026
Instrument	20261537312
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	5538 WAHL RD, DULUTH, MN 55804-2820

Mortgage

Document Number	0001537312,
Date	Jul 29, 2026
Instrument	20261537312

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5538 WAHL RD, DULUTH, MN 55804-2820
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001442930
Date	May 12, 2022
Instrument	1442930

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 5538 Wahl Rd was $3,342 with a homeowner's exemption, up 5.8% 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	$3,342.00 (+5.76%) Homeowner's exemption
2025	$3,160.00 (-0.69%) Homeowner's exemption	$315,700 (+7.6%) Land $98,600 Building $217,100	$315,700 (+7.6%) Land $98,600 Building $217,100
2024	$3,182.00	$293,400 Land $91,100 Building $202,300	$293,400 Land $91,100 Building $202,300
2022		$287,800 Land $87,000 Building $200,800	$287,800 Land $87,000 Building $200,800

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

Flood

FEMA maps place 5538 Wahl 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 5538 Wahl 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 14 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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