5595 Lester River Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 5595 Lester River Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,536 sqft · built 1965
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Nov 2019)
Tax Bill	$4,190 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`415-0010-02710`

Property Details

APN / Parcel Number

Primary APN	`415-0010-02710`
Alternative APN	`1050446`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,536 sqft Gross Area
1st Floor Area	1,536 sqft
Basement Area	1,536 sqft
Finished Basement	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1976
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	96 sqft
Storage Building	90 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1050446
Street Address	5595 LESTER RIVER RD
City	DULUTH
State	MN
Zip	55804-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	N 1/2 OF N 1/2 OF NE 1/4 OF SE 1/4 SERIAL #
Legal Range	13W
Legal Township	51N
Legal Section	09
Legal Subdivision	LAKEWOOD TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	LAKEWOOD
Census Block Group	2
Census Block	2013
Census Tract	10500

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	5595 LESTER RIVER RD, DULUTH, MN 55804-9606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage SHARE ADVANTAGE CREDIT UNION
Aug 28, 2023	Deed of Trust, Mortgage · Commercial Mortgage SHARE ADVANTAGE CU
Sep 21, 2020	Deed of Trust, Mortgage · Conventional with PMI SHARE ADVANTAGE CU
Nov 6, 2019	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE
May 8, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2019 · Amount on Record
Deed Sale	Nov 6, 2019 · Amount on Record
Prior Sale	May 8, 2018 · Amount on Record
Deed Document Number	20191017160
Prior Transfer Date	Jul 10, 2002
Prior Transfer Doc	0000877662
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Oct 5, 2026
Property Address	5595 LESTER RIVER RD, DULUTH, MN 55804-9606
Document Number	0001106657
Instrument Date	Sep 14, 2026
Instrument	20261106657
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	5595 LESTER RIVER RD, DULUTH, MN 55804-9606

Mortgage

Document Number	0001106657,
Date	Oct 5, 2026
Instrument	20261106657

Lender

Name	SHARE ADVANTAGE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 18, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5595 LESTER RIVER RD, DULUTH, MN 55804-9606
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001071693
Date	Aug 28, 2023
Instrument	1071693

Lender

Name	SHARE ADVANTAGE CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 16, 2038

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5595 LESTER RIVER RD, DULUTH, MN 55804-9606
Document Number	00T1029780
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5595 LESTER RIVER RD DULUTH MN 558049606, DULUTH, MN 55804-9606

Mortgage

Document Number	00T1029780
Date	Oct 1, 2020
Instrument	T1029780

Lender

Name	SHARE ADVANTAGE CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Sep 30, 2035

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 6, 2019
Property Address	5595 LESTER RIVER RD, DULUTH, MN 55804-9606
Document Number	00T1017160
Instrument Date	Oct 28, 2019
Instrument	T1017160
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5595 LESTER RIVER RD DULUTH MN 558049606, DULUTH, MN 55804-9606

Mortgage

Document Number	T1017161
Date	Nov 6, 2019
Instrument	T1017161

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 8, 2018
Property Address	5595 LESTER RIVER RD, DULUTH, MN 55804-9606
Document Number	000T997744
Instrument Date	May 4, 2018
Instrument	T997744
Transaction Type	Transfer
Record Updated	May 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$825.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5595 LESTER RIVER RD DULUTH MN 558049606, DULUTH, MN 55804-9606

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	Lakewood Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,190.00 (+6.35%) Homeowner's exemption
2025	$3,940.00 (-0.15%) Homeowner's exemption	$386,000 (+8.12%) Land $111,000 Building $275,000	$386,000 (+8.12%) Land $111,000 Building $275,000
2024	$3,946.00	$357,000 (+1.88%) Land $102,500 Building $254,500	$357,000 (+1.88%) Land $102,500 Building $254,500
2022		$350,400 Land $97,800 Building $252,600	$350,400 Land $97,800 Building $252,600

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
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

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	0.02% 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 17 locations within half a mile, as of December 31, 2025

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

5595 Lester River Rd, Duluth, MN 55804 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Lester River Rd

Nearby Streets

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