St. Louis County property record for 5811 Cody St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,006 sqft · built 1916 |
| Lot Size | 0.051 acres (2,249 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (May 2026) |
| Tax Bill | $2,398 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4510-07950 |
| Primary APN | 010-4510-07950 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,006 sqft Gross Area |
| 1st Floor Area | 575 sqft |
| Basement Area | 575 sqft |
| Finished Basement | 575 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 2,249 sqft (0.051 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 144 sqft |
| Deck Area | 9 sqft |
| Storage Building | 128 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1196934 |
|---|---|
| Street Address | 5811 CODY ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-2532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELY 45 FT OF LOTS 15 AND 16 SERIAL # |
| Legal Subdivision | WEST DULUTH FIFTH DIVISION |
| Legal Block | 167 |
| Legal Lot Number | 15-16 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 3300 |
5811 Cody St is owned and occupied by an individual who bought it in May 2026.
Source: St. Louis County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5811 CODY ST, DULUTH, MN 55807-2532 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Sep 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HSNG SERVICES |
| May 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORPORATION |
| Jun 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on File |
| Deed Sale | May 4, 2026 · Amount on File |
| Prior Sale | Jun 15, 2021 · Amount on File |
| Deed Document Number | 20261531988 |
| Prior Transfer Date | Mar 16, 2009 |
| Prior Transfer Doc | 0001104214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 30, 2026 |
| Property Address | 5811 CODY ST, DULUTH, MN 55807-2532 |
| Document Number | 0001541401 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 20261541401 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5811 CODY ST, DULUTH, MN 55807-2532 |
| Document Number | 0001541401, |
|---|---|
| Date | Sep 30, 2026 |
| Instrument | 20261541401 |
| Name | NEIGHBORHOOD HSNG SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate | 6.13% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 4, 2026 |
| Property Address | 5811 CODY ST, DULUTH, MN 55807-2532 |
| Document Number | 0001531988 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.1531988 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | BURNETT TITLE, BURNET TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $66,660.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5811 CODY ST, DULUTH, MN 55807-2532 |
| Document Number | 0001531989, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 2026.1531989 |
| Name | SUMMIT MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0001531991, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 2026.1531991 |
| Name | NEIGHBORHOOD HSNG SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 20 Months |
| Due | May 1, 2046 |
| Rate | 13% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 15, 2021 |
| Property Address | 5811 CODY ST, DULUTH, MN 55807-2532 |
| Document Number | 0001416534 |
| Instrument Date | May 26, 2021 |
| Instrument | 1416534 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $544.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5811 CODY ST, DULUTH, MN 55807-2532 |
| Document Number | 0001416535 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 1416535 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Number | 0001416536 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 1416536 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
The 2026 property tax bill for 5811 Cody St was $2,398 with a homeowner's exemption, up 13.5% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,398.00 (+13.54%) Homeowner's exemption | ||
| 2025 | $2,112.00 (-4.78%) Homeowner's exemption | $206,400 (+14.73%) Land $5,700 Building $200,700 | $206,400 (+14.73%) Land $5,700 Building $200,700 |
| 2024 | $2,218.00 | $179,900 Land $6,100 Building $173,800 | $179,900 Land $6,100 Building $173,800 |
| 2022 | $148,900 Land $5,500 Building $143,400 | $148,900 Land $5,500 Building $143,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5811 Cody St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5811 Cody St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Duluth serves 86,859 people · EPA ID MN1690011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 583 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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