5774 N Shore Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 5774 N Shore Dr, Duluth, MN 55804

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 2,100 sqft · built 2022
Lot Size	2.27 acres (99,295 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2017)
Tax Bill	$8,512 (2026)
Deeds & Mortgages	Jul 2026 Transfer Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`315-0095-00020`

Property Details

APN / Parcel Number

Primary APN	`315-0095-00020`
Alternative APN	`1038070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,100 sqft Gross Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Other
Construction Type	Frame
Lot Area	99,295 sqft (2.27 acres)
Garage Area	780 sqft
Deck Area	Deck Area
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1038070
Street Address	5774 N SHORE DR
City	DULUTH
State	MN
Zip	55804
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 2 BLOCK 1 SERIAL #
Legal Subdivision	STONEY POINT COTTAGES
Legal Block	1
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1043
Census Tract	10500

Owner

5774 N Shore Dr, a residential property, is owned by an individual who acquired it in July 2026.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	7336 STAGECOACH TRL, CIRCLE PINES, MN 55014-3049
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Dec 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage THE MINERS NATIONAL BANK OF EVELETH
Jul 29, 2022	Deed of Trust, Mortgage · Construction Mortgage THE MINERS NATIONAL BANK OF EVELETH
Sep 19, 2017	Grant Deed, Subdivision Related Transfer · Line of Credit LAKE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2017 · Amount on File
Deed Sale	Sep 19, 2017 · Amount on File
Deed Document Number	20171317724
Last Transfer Date	Jul 17, 2026
Transfer Doc	0001536885
Record Updated	Sep 20, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 22, 2026
Property Address	5774 N SHORE DR, DULUTH, MN 55804
Document Number	0001536885
Instrument Date	Jul 17, 2026
Instrument	20261536885
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7336 STAGECOACH TRL, CIRCLE PINES, MN 55014-3049

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5774 N SHORE DR, DULUTH, MN 55804-9660
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7336 STAGECOACH TRL, LINO LAKES, MN 55014-3049

Mortgage

Document Number	0001479864
Date	Dec 15, 2023
Instrument	1479864

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Dec 1, 2028
Change Frequency	6 Months
Min Rate At Change	7.25%
Max Rate At Change	10.2%
Max Rate	17.2%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5774 N SHORE DR, DULUTH, MN 55804-9660
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7336 STAGECOACH TRL, LINO LAKES, MN 55014-3049

Mortgage

Document Number	0001448526
Date	Jul 29, 2022
Instrument	1448526

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 22, 2023

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 19, 2017
Property Address	5774 N SHORE DR, DULUTH, MN 55804-9660
Document Number	00A1317724
Instrument Date	Sep 15, 2017
Instrument	A1317724
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 2, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
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	7336 STAGECOACH TRL CIRCLE PINES MN 550143049, CIRCLE PINES, MN 55014-3049

Mortgage

Document Number	A1317725
Date	Sep 19, 2017
Instrument	A1317725

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5774 N Shore Dr was $8,512, up 15% 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	$8,512.00 (+15%)
2025	$7,402.00 (+93.87%)	$832,200 (+8.74%) Land $359,800 Building $472,400	$832,200 (+8.74%) Land $359,800 Building $472,400
2024	$3,818.00	$765,300 Land $343,600 Building $421,700	$765,300 Land $343,600 Building $421,700
2022		$205,300 Land $205,300	$205,300 Land $205,300

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

Flood

FEMA maps place 5774 N Shore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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 5774 N Shore Dr is low, with less than 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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 8 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

Nearby Properties on N Shore Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures