5653 N Shore Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 5653 N Shore Dr, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,326 sqft · built 1940
Lot Size	7.94 acres (345,866 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (May 2017)
Tax Bill	$5,672 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`315-0010-01740`

Property Details

APN / Parcel Number

Primary APN	`315-0010-01740`
Alternative APN	`1030518`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,326 sqft Gross Area
1st Floor Area	1,390 sqft
Basement Area	336 sqft
Finished Basement	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood
Construction Type	Frame
Lot Area	345,866 sqft (7.94 acres)
Garage Area	816 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Patio
Porch Area	157 sqft
Deck Area	144 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1030518
Street Address	5653 N SHORE DR
City	DULUTH
State	MN
Zip	55804-2914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	THAT PART OF GOVT LOT 2 DESC AS FOLLOWS:BEGINNING AT NW CORNER OF GOVT LOT 2; THENCES ALONG W LINE OF GOVT LOT 2, 390 FT;
Legal Range	12W
Legal Township	51N
Legal Section	10
Legal Subdivision	DULUTH TOWN OF
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1059
Census Tract	10500

Owner

5653 N Shore Dr is owned and occupied by an individual who bought it in May 2017.

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	5653 N SHORE DR, DULUTH, MN 55804-2914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Line of Credit PARK STATE BANK & TRUST
Jul 17, 2020	Deed of Trust, Mortgage · Line of Credit LAKE BK
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE BK
Nov 9, 2017	Quit Claim Deed, Transfer NORTH SHORE TITLE
May 16, 2017	Grant Deed, Transfer · Conventional Mortgage US BK
Dec 11, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2017 · Amount on File
Deed Sale	May 16, 2017 · Amount on File
Deed Document Number	20171309375
Prior Transfer Date	May 3, 2017
Prior Transfer Doc	00A1323878
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5653 N SHORE DR, DULUTH, MN 55804-2914
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5653 N SHORE DR, DULUTH, MN 55804-2914

Mortgage

Document Number	0001522436
Date	Nov 17, 2025
Instrument	1522436

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	DULUTH, MN 55803

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Oct 27, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5653 N SHORE DR, DULUTH, MN 55804-2914
Document Number	00A1387107
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5653 N SHORE DR DULUTH MN 558042914, DULUTH, MN 55804-2914

Mortgage

Document Number	00A1387107
Date	Aug 5, 2020
Instrument	A1387107

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 4, 2025

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5653 N SHORE DR, DULUTH, MN 55804-2914
Document Number	00A1381333
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5653 N SHORE DR DULUTH MN 558042914, DULUTH, MN 55804-2914

Mortgage

Document Number	00A1381333
Date	Jun 3, 2020
Instrument	A1381333

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 9, 2017
Property Address	5653 N SHORE DR, DULUTH, MN 55804-2914
Document Number	00A1321876
Instrument Date	Oct 11, 2017
Instrument	A1321876
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	NORTH SHORE TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5653 N SHORE DR DULUTH MN 558042914, DULUTH, MN 55804-2914

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 16, 2017
Property Address	5653 N SHORE DR, DULUTH, MN 55804-2914
Document Number	00A1309375
Instrument Date	May 12, 2017
Instrument	A1309375
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
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	5653 N SHORE DR DULUTH MN 558042914, DULUTH, MN 55804-2914

Mortgage

Document Number	A1309376
Date	May 16, 2017
Instrument	A1309376

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2047

Mortgage

Document Number	A1309377,
Date	May 16, 2017
Instrument	A1309377

Lender

Name	US BK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 15, 2047

Interest

Rate Type	Adjustable Rate

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 11, 2017
Property Address	5653 N SHORE DR, DULUTH, MN 55804-2914
Document Number	00A1323878
Instrument Date	May 12, 2017
Instrument	A1323878
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6297 COPPERLINE RD DULUTH MN 558048640, DULUTH, MN 55804-8640

Tax Assessment & Valuation

The 2026 property tax bill for 5653 N Shore Dr was $5,672 with a homeowner's exemption, down 3.6% 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	Duluth Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,672.00 (-3.6%) Homeowner's exemption
2025	$5,884.00 (+10.89%) Homeowner's exemption	$655,300 (+4.75%) Land $134,600 Building $520,700	$655,300 (+4.75%) Land $134,600 Building $520,700
2024	$5,306.00	$625,600 Land $128,800 Building $496,800	$625,600 Land $128,800 Building $496,800
2022		$402,600 Land $85,800 Building $316,800	$402,600 Land $85,800 Building $316,800

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

Flood

FEMA maps place 5653 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

Wildfire risk around 5653 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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