5582 Lester River Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 5582 Lester River Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 2004
Lot Size	9.73 acres (423,839 sqft)
Owner	Individual Name on File
Last Sale	$12,500 (Jul 2003)
Tax Bill	$2,186 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`415-0010-03110`

Property Details

APN / Parcel Number

Primary APN	`415-0010-03110`
Alternative APN	`743843`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	988 sqft Gross Area
1st Floor Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Lot Area	423,839 sqft (9.73 acres)

Exterior Amenities

Porch	Slab
Patio Area	72 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	743843
Street Address	5582 LESTER RIVER RD
City	DULUTH
State	MN
Zip	55804-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	S 1/2 OF N 1/2 OF NW 1/4 OF SW 1/4EX PART LYING W OF CENTERLINE OF RD 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	2017
Census Tract	10500

Owner

Source: St. Louis County records · APN 415-0010-03110

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	5582 LESTER RIVER RD, DULUTH, MN 55804-9606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 23, 2003 · Amount on Record
Deed Sale	Jul 23, 2003 · Amount on Record
Deed Document Number	2003907011
Last Transfer Date	Nov 21, 2003
Transfer Doc	0000938765
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5582 LESTER RIVER RD, DULUTH, MN 55804-9606
Document Number	00A1363589
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 01, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5582 LESTER RIVER RD DULUTH MN 558049606, DULUTH, MN 55804-9606

Mortgage

Document Number	00A1363589
Date	Sep 18, 2019
Instrument	A1363589

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 17, 2034

Interest

Rate Type	Adjustable Rate

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	Lakewood Township
Unified School District	Duluth 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	$2,186.00 (+6.01%) Homeowner's exemption
2025	$2,062.00 (-2.27%) Homeowner's exemption	$236,500 (+15.87%) Land $106,100 Building $130,400	$236,500 (+15.87%) Land $106,100 Building $130,400
2024	$2,110.00	$204,100 (+2.67%) Land $98,000 Building $106,100	$204,100 (+2.67%) Land $98,000 Building $106,100
2022		$198,800 Land $93,600 Building $105,200	$198,800 Land $93,600 Building $105,200

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
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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% 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)
Mediacom Communications Fiber	2,000 / 1,000

Based on FCC filings for 17 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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