St. Louis County property record for 5659 Howard Gnesen Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.25 ba · 1,440 sqft · built 1960 |
| Lot Size | 13.3 acres (579,784 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $530,000 (Aug 2024) |
| Tax Bill | $6,322 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0011-01320 |
| Primary APN | 520-0011-01320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Gross Area |
| 1st Floor Area | 1,440 sqft |
| Basement Area | 1,278 sqft |
| Finished Basement | 1,278 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 579,784 sqft (13.3 acres) |
| Deck Area | 476 sqft |
|---|---|
| Storage Building | 192 sqft |
| Pole Barn | 2,160 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1169754 |
|---|---|
| Street Address | 5659 HOWARD GNESEN RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9269 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | NE1/4 OF NE1/4 EXCEPT THAT PART THEREOF LYINGNORTH OF A LINE PARALLEL TO AND DISTANT26-2/3 RODS SOUTH OF THE NORTH LINE OF |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 09 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 10400 |
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 | 5659 HOWARD GNESEN RD, DULUTH, MN 55803-9269 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK |
| Jun 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2024 · Amount on Record |
| Deed Sale | Aug 14, 2024 · Amount on Record |
| Prior Sale | Jul 20, 2007 · Amount on Record |
| Deed Document Number | 20241082070 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 30, 2026 |
| Property Address | 5659 HOWARD GNESEN RD, DULUTH, MN 55803-9269 |
| Document Number | 0001104191 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 20261104191 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5659 HOWARD GNESEN RD, DULUTH, MN 55803-9269 |
| Document Number | 0001104191, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 20261104191 |
| Name | COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5659 HOWARD GNESEN RD, DULUTH, MN 55803-9269 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001042241 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 1042241 |
| Name | ARVEST BANK |
|---|---|
| Type | Bank |
| Address | LOWELL, AR 72745 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,322.00 (+23.19%) Homeowner's exemption | ||
| 2025 | $5,132.00 (-5.35%) Homeowner's exemption | $478,000 (+17.24%) Land $89,300 Building $388,700 | $478,000 (+17.24%) Land $89,300 Building $388,700 |
| 2024 | $5,422.00 | $407,700 (+4.89%) Land $89,300 Building $318,400 | $407,700 (+4.89%) Land $89,300 Building $318,400 |
| 2022 | $388,700 Land $85,300 Building $303,400 | $388,700 Land $85,300 Building $303,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
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