5896 Holly Ln, Duluth, MN 55811 Property Records

St. Louis County property record for 5896 Holly Ln, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,632 sqft · built 1976
Lot Size	0.94 acres (40,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,500 (Jul 2020)
Tax Bill	$4,366 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`280-0040-01180`

Property Details

APN / Parcel Number

Primary APN	`280-0040-01180`
Alternative APN	`1092395`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,632 sqft Gross Area
1st Floor Area	1,316 sqft
Basement Area	980 sqft
Finished Basement	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	40,971 sqft (0.94 acres)
Garage Area	960 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	326 sqft
Patio Area	140 sqft
Storage Building	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1092395
Street Address	5896 HOLLY LN
City	DULUTH
State	MN
Zip	55811-9744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT 1 AND PART OF LOT 2 BEG AT NW CORNERTHENCE SELY 9 DEG 12 MIN 25 SEC FROM NLINE 125 FT THENCE 18 DEG 24 MIN 50 SECLEFT 125
Legal Subdivision	CARIBOU LAKE TRACTS TOWN OF CA
Legal Block	7
Legal Lot Number	1-2
Jurisdiction	ST LOUIS MN
Township / Civil Division	CANOSIA
Census Block Group	2
Census Block	2021
Census Tract	10602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5896 HOLLY LN, DULUTH, MN 55811-9744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Dec 15, 2020	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Jul 14, 2020	Warranty Deed, Transfer · Conventional with PMI REGENT FIN'L
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on Record
Deed Sale	Jul 14, 2020 · Amount on Record
Deed Document Number	20201025834
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5896 HOLLY LN, DULUTH, MN 55811-9744
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001065936
Date	Feb 9, 2023
Instrument	1065936

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5896 HOLLY LN, DULUTH, MN 55811-9744
Document Number	00T1034209
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5896 HOLLY LN DULUTH MN 558119744, DULUTH, MN 55811-9744

Mortgage

Document Number	00T1034209
Date	Dec 24, 2020
Instrument	T1034209

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 23, 2035

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 14, 2020
Property Address	5896 HOLLY LN, DULUTH, MN 55811-9744
Document Number	00T1025834
Instrument Date	Jul 9, 2020
Instrument	T1025834
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,180.00
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	5896 HOLLY LN DULUTH MN 558119744, DULUTH, MN 55811-9744

Mortgage

Document Number	T1025835
Date	Jul 14, 2020
Instrument	T1025835

Lender

Name	REGENT FIN'L
Type	Funding / Finance Company
Address	OMAHA, NE 68124

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5896 HOLLY LN, DULUTH, MN 55811-9744
Document Number	000T981768
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5896 HOLLY LN DULUTH MN 558119744, DULUTH, MN 55811-9744

Mortgage

Document Number	000T981768
Date	Feb 3, 2017
Instrument	T981768

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Canosia Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,366.00 (-0.73%) Homeowner's exemption
2025	$4,398.00 (+7.37%) Homeowner's exemption	$469,800 (+3.3%) Land $90,300 Building $379,500	$469,800 (+3.3%) Land $90,300 Building $379,500
2024	$4,096.00	$454,800 (+23.96%) Land $89,700 Building $365,100	$454,800 (+23.96%) Land $89,700 Building $365,100
2022		$366,900 Land $77,100 Building $289,800	$366,900 Land $77,100 Building $289,800

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

Flood

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	2 in force
Nearby Flood Claims	2 (2022–2024)
Most Recent Claim	Jun 2024 · Severe Storms And Flooding

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Cable	250 / 20

May also be available: Verizon.

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