St. Louis County property record for 5795 Ratika Rd, Duluth, MN 55810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.25 ba · 2,360 sqft · built 2001 |
| Lot Size | 12.4 acres (540,580 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $715,000 (May 2026) |
| Tax Bill | $7,234 (2026) |
| Deeds & Mortgages | Apr 2023 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 450-0010-03004 |
| Primary APN | 450-0010-03004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,360 sqft Gross Area |
| 1st Floor Area | 1,736 sqft |
| Basement Area | 1,192 sqft |
| Finished Basement | 1,192 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 540,580 sqft (12.4 acres) |
| Garage Area | 1,512 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 146 sqft |
| Deck Area | 240 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1197658 |
|---|---|
| Street Address | 5795 RATIKA RD |
| City | DULUTH |
| State | MN |
| Zip | 55810-9576 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | ELY 573.50 FT LYING N OF SLY 416 FT AND ELY50 FT OF SLY 416 FT ALL OF SE1/4 OF NW1/4 SERIAL # |
| Legal Range | 15W |
| Legal Township | 49N |
| Legal Section | 19 |
| Legal Subdivision | MIDWAY TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | MIDWAY |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 10200 |
5795 Ratika Rd is owned and occupied by two individuals who bought it in May 2026.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5795 RATIKA RD, DULUTH, MN 55810-9576 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Apr 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE |
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Jun 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Prior Sale | Jun 27, 2023 · Amount on File |
| Deed Document Number | 20261533126 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5795 RATIKA RD, DULUTH, MN 55810-9576 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Title Company | ST LOUIS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001465379 |
|---|---|
| Date | Apr 24, 2023 |
| Instrument | 1465379 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 17, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 26, 2026 |
| Property Address | 5795 RATIKA RD, DULUTH, MN 55810-9576 |
| Document Number | 0001533126 |
| Instrument Date | May 8, 2026 |
| Instrument | 20261533126 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | RESULTS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $238,309.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5795 RATIKA RD, DULUTH, MN 55810-9576 |
| Document Number | 0001533127, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20261533127 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 27, 2023 |
| Property Address | 5795 RATIKA RD, DULUTH, MN 55810-9576 |
| Document Number | 0001468784 |
| Instrument Date | Jun 9, 2023 |
| Instrument | 1468784 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,029.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5795 RATIKA RD, DULUTH, MN 55810-9576 |
| Document Number | 0001468785 |
|---|---|
| Date | Jun 27, 2023 |
| Instrument | 1468785 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.9% |
| Type Change Date | Jul 10, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.9% |
| Max Rate At Change | 7.9% |
| Index | 12-Month MTA |
| Max Rate | 10.9% |
The 2026 property tax bill for 5795 Ratika Rd was $7,234 with a homeowner's exemption, up 3.9% 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 | Midway Township |
| Unified School District | Proctor Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,234.00 (+3.94%) Homeowner's exemption | ||
| 2025 | $6,960.00 (+18.93%) Homeowner's exemption | $685,700 (+8.38%) Land $109,100 Building $576,600 | $685,700 (+8.38%) Land $109,100 Building $576,600 |
| 2024 | $5,852.00 (+3.1%) | $632,700 Land $84,900 Building $547,800 | $632,700 Land $84,900 Building $547,800 |
| 2023 | $5,676.00 Homeowner's exemption | ||
| 2022 | $484,400 (+9.25%) Land $76,400 Building $408,000 | $484,400 (+9.25%) Land $76,400 Building $408,000 | |
| 2021 | $443,400 Land $73,300 Building $370,100 | $443,400 Land $73,300 Building $370,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5795 Ratika Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.
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 (2018–2019) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2019 · rainfall accumulation |
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 5795 Ratika Rd 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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