5846 N Shore Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 5846 N Shore Dr, Duluth, MN 55804

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	3 bd · 2.25 ba · 1,814 sqft · built 2017
Lot Size	0.184 acres (8,029 sqft)
Owner	Individual Name on File
Tax Bill	$6,050 (2026)
Deeds & Mortgages	Mar 2021 Transfer Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`315-0060-00585`

Property Details

APN / Parcel Number

Primary APN	`315-0060-00585`
Alternative APN	`1106322`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,814 sqft Gross Area
1st Floor Area	1,310 sqft
Basement Area	504 sqft
Finished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,029 sqft (0.184 acres)
Garage Area	528 sqft
Deck Area	24 sqft
Patio Area	75 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1106322
Street Address	5846 N SHORE DR
City	DULUTH
State	MN
Zip	55804-9655
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	SMU
Legal Description	ELY 1/2 SERIAL #
Legal Subdivision	GREENWOOD CLIFFS TOWN OF DULUT
Legal Block	3
Legal Lot Number	16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1040
Census Tract	10500

Owner

5846 N Shore Dr, a residential property, is owned and occupied by an individual who acquired it in February 2021.

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 File
Mailing Address	5846 N SHORE DR, DULUTH, MN 55804-9655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Affidavit of Death of Joint Tenant, Transfer
Jun 26, 2020	Deed of Trust, Mortgage WESTERN NAT'L BK
Feb 4, 2020	Deed of Trust, Construction Loan · Construction Mortgage WESTERN NAT'L BK
Oct 6, 2017	Trustee's Deed, Construction Loan · Construction Mortgage WESTERN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 20, 2021
Transfer Doc	00T1038250
Record Updated	Sep 20, 2026

March 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Mar 24, 2021
Property Address	5846 N SHORE DR, DULUTH, MN 55804-9655
Document Number	0001038250
Instrument Date	Feb 20, 2021
Instrument	1038250
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5846 N SHORE DR, DULUTH, MN 55804-9655

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5846 N SHORE DR, DULUTH, MN 55804-9655
Document Number	00T1025401
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5846 N SHORE DR DULUTH MN 558049655, DULUTH, MN 55804-9655

Mortgage

Document Number	00T1025401
Date	Jul 6, 2020
Instrument	T1025401

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Feb 4, 2020
Property Address	5846 N SHORE DR, DULUTH, MN 55804-9655
Document Number	00T1020256
Instrument Date	Jan 22, 2020
Instrument	T1020256
Transaction Type	Construction Loan
Record Updated	Feb 24, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5846 N SHORE DR DULUTH MN 558049655, DULUTH, MN 55804-9655

Mortgage

Document Number	00T1020256
Date	Feb 4, 2020
Instrument	T1020256

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 3, 2021

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 6, 2017
Property Address	5846 N SHORE DR, DULUTH, MN 55804-9655
Instrument Date	Oct 6, 2017
Instrument	T990633
Transaction Type	Construction Loan
Record Updated	Aug 25, 2018
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE CO.

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5842 N SHORE DR DULUTH MN 55804, DULUTH, MN 55804

Mortgage

Document Number	000T990633
Date	Oct 6, 2017
Instrument	T990633

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 5, 2018

Tax Assessment & Valuation

The 2026 property tax bill for 5846 N Shore Dr was $6,050 with a homeowner's exemption, up 12% 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	$6,050.00 (+12.04%) Homeowner's exemption
2025	$5,400.00 (+12.92%) Homeowner's exemption	$689,500 (+4.76%) Land $133,600 Building $555,900	$689,500 (+4.76%) Land $133,600 Building $555,900
2024	$4,782.00	$658,200 Land $127,900 Building $530,300	$658,200 Land $127,900 Building $530,300
2022		$423,400 Land $85,200 Building $338,200	$423,400 Land $85,200 Building $338,200

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

Flood

FEMA maps place 5846 N Shore Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 5846 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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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