St. Louis County property record for 5585 N Shore Dr, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,904 sqft · built 2023 |
| Lot Size | 29.7 acres (1,294,168 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Jul 2020) |
| Tax Bill | $6,840 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 315-0010-01560 |
| Primary APN | 315-0010-01560 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,904 sqft Gross Area |
| 1st Floor Area | 1,560 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Construction Type | Frame |
| Lot Area | 1,294,168 sqft (29.7 acres) |
| Garage Area | 2,592 sqft |
| Porch | Slab |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1092814 |
|---|---|
| Street Address | 5585 N SHORE DR |
| City | DULUTH |
| State | MN |
| Zip | 55804-2917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SMU |
| Legal Description | THAT PART OF SW1/4 OF NE1/4, LYING SOUTHERLYAND EASTERLY OF THE SOUTHERLY BOUNDARY OF THEDM&IR RAILWAY AND SE1/4 OF NE1/4, |
| Legal Range | 12W |
| Legal Township | 51N |
| Legal Section | 09 |
| Legal Subdivision | DULUTH TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 10500 |
5585 N Shore Dr is owned by an individual who bought it in July 2020.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| 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.
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed of Trust, Mortgage · Line of Credit HARBORONE CREDIT UNION |
| Jan 22, 2026 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Jul 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage HARBOR POINTE CU |
| Apr 16, 2018 | Warranty Deed, Transfer · Line of Credit LAKE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2020 · Amount on File |
| Deed Sale | Jul 20, 2020 · Amount on File |
| Prior Sale | Apr 16, 2018 · Amount on File |
| Deed Document Number | 20201026132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 1, 2026 |
| Property Address | 5585 N SHORE DR, DULUTH, MN 55804-2917 |
| Document Number | 0001102009 |
| Instrument Date | May 18, 2026 |
| Instrument | 20261102009 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 5585 N SHORE DR, DULUTH, MN 55804-2917 |
| Document Number | 0001102009, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20261102009 |
| Name | HARBORONE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 25, 2041 |
| Rate | 5.65% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5585 N SHORE DR, DULUTH, MN 55804 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5585 N SHORE DR, DULUTH, MN 55804-2917 |
| Document Number | 0001098446 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | 1098446 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 20, 2020 |
| Property Address | 5587 N SHORE DR, DULUTH, MN 55804-2914 |
| Document Number | 00T1026132 |
| Instrument Date | Jun 29, 2020 |
| Instrument | T1026132 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2020 |
| Title Company | AUTHORITY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $314.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 524 14TH AVE TWO HARBORS MN 556161232, TWO HARBORS, MN 55616-1232 |
| Document Number | T1026133 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | T1026133 |
| Name | HARBOR POINTE CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jul 19, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 16, 2018 |
| Property Address | 5587 N SHORE DR, DULUTH, MN 55804-2914 |
| Document Number | 000T996985 |
| Instrument Date | Apr 16, 2018 |
| Instrument | T996985 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2018 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $197.67 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5587 N SHORE DR DULUTH MN 558042914, DULUTH, MN 55804-2914 |
| Document Number | T996986 |
|---|---|
| Date | Apr 16, 2018 |
| Instrument | T996986 |
| Name | LAKE BK |
|---|---|
| Type | Bank |
| Address | TWO HARBORS, MN 55616 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 15, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 5585 N Shore Dr was $6,840, up 152% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Duluth Township |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,840.00 (+152.03%) | ||
| 2025 | $2,714.00 (+197.59%) | $741,800 (+145.79%) Land $169,300 Building $572,500 | $741,800 (+145.79%) Land $169,300 Building $572,500 |
| 2024 | $912.00 | $301,800 Land $155,900 Building $145,900 | $301,800 Land $155,900 Building $145,900 |
| 2022 | $88,600 Land $88,600 | $88,600 Land $88,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5585 N Shore Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.
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 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 risk around 5585 N Shore Dr 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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