5896 Ratika Rd, Duluth, MN 55810 Property Records

St. Louis County property record for 5896 Ratika Rd, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 3,360 sqft · built 2003
Lot Size	12.5 acres (544,500 sqft)
Owner	Individual Name on File
Last Sale	$472,000 (Nov 2023)
Tax Bill	$5,242 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`450-0010-03025`

Property Details

APN / Parcel Number

Primary APN	`450-0010-03025`
Alternative APNs	`1090365` `1158729`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,360 sqft Gross Area
1st Floor Area	2,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Frame
Lot Area	544,500 sqft (12.5 acres)
Garage Area	1,560 sqft

Exterior Amenities

Porch	Slab
Porch Area	158 sqft
Deck Area	Deck Area
Storage Building	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1158729
Street Address	5896 RATIKA RD
City	DULUTH
State	MN
Zip	55810-9559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	THAT PART OF NW1/4 OF SW1/4, DESCRIBED ASFOLLOWS: COMMENCING AT THE NORTHWEST CORNEROF SAID NW1/4 OF SW1/4; THENCE EAST
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

Owner

5896 Ratika Rd is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5896 RATIKA RD, DULUTH, MN 55810-9559
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2023 · Amount on File
Deed Sale	Nov 30, 2023 · Amount on File
Prior Sale	May 17, 2005 · Amount on File
Deed Document Number	20231478918
Prior Transfer Date	Jul 22, 2005
Prior Transfer Doc	0000990785
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 2, 2020
Property Address	5896 RATIKA RD, DULUTH, MN 55810-9559
Document Number	00A1381301
Instrument Date	May 28, 2020
Instrument	A1381301
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,173.00
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 RATIKA RD DULUTH MN 558109559, DULUTH, MN 55810-9559

Mortgage

Document Number	A1381302
Date	Jun 2, 2020
Instrument	A1381302

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 5896 Ratika Rd was $5,242 with a homeowner's exemption, up 7% 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	Midway Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,242.00 (+7.02%) Homeowner's exemption
2025	$4,898.00 (+2.25%) Homeowner's exemption	$522,700 (+11.4%) Land $98,700 Building $424,000	$522,700 (+11.4%) Land $98,700 Building $424,000
2024	$4,790.00	$469,200 Land $76,000 Building $393,200	$469,200 Land $76,000 Building $393,200
2022		$400,100 Land $68,700 Building $331,400	$400,100 Land $68,700 Building $331,400

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

Flood

FEMA maps place 5896 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

Wildfire risk around 5896 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.

Internet Providers

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