St. Louis County property record for 5838 Ratika Rd, Duluth, MN 55810
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 1,344 sqft · built 1995 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,774 (2026) |
| Deeds & Mortgages | May 2023 Construction Loan May 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 450-0010-03015 |
| Primary APN | 450-0010-03015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Gross Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 1,848 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 45 sqft |
| Deck Area | 168 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 73406 |
|---|---|
| Street Address | 5838 RATIKA RD |
| City | DULUTH |
| State | MN |
| Zip | 55810-9559 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | W1/2 OF W1/2 OF NE1/4 OF SW1/4 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 | 1042 |
| Census Tract | 10200 |
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 Record |
|---|---|
| Mailing Address | 5838 RATIKA RD, DULUTH, MN 55810-9559 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2023 | Deed of Trust, Mortgage · Construction Mortgage NORTH SHORE BANK OF COMMERCE |
| May 2, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 21, 2023 |
| Transfer Doc | 0001465806 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5838 RATIKA RD, DULUTH, MN 55810-9559 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4853 DANIELS RD, DULUTH, MN 55811-9619 |
| Document Number | 0001466935 |
|---|---|
| Date | May 23, 2023 |
| Instrument | 1466935 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year T-Bill |
| Max Rate | 10.7% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 2, 2023 |
| Property Address | 5838 RATIKA RD, DULUTH, MN 55810-9559 |
| Document Number | 0001465806 |
| Instrument Date | Apr 18, 2023 |
| Instrument | 1465806 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4853 DANIELS RD, DULUTH, MN 55811-9619 |
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 | $4,774.00 (+17.47%) Homeowner's exemption | ||
| 2025 | $4,064.00 (+0.89%) Homeowner's exemption | $479,300 (+21.16%) Land $102,400 Building $376,900 | $479,300 (+21.16%) Land $102,400 Building $376,900 |
| 2024 | $4,028.00 | $395,600 (+5.95%) Land $73,600 Building $322,000 | $395,600 (+5.95%) Land $73,600 Building $322,000 |
| 2022 | $373,400 Land $102,000 Building $271,400 | $373,400 Land $102,000 Building $271,400 |
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 |
| 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures