6082 E Bowman Lake Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6082 E Bowman Lake Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,468 sqft · built 1995
Lot Size	6.44 acres (280,526 sqft)
Owner	Individual Name on File
Tax Bill	$4,614 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Sep 2017 Loan Modification
Flood Zone	Zone A (high risk)
APN	`380-0020-04120`

Property Details

APN / Parcel Number

Primary APN	`380-0020-04120`
Alternative APN	`97060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,468 sqft Gross Area
1st Floor Area	1,100 sqft
Basement Area	825 sqft
Finished Basement	825 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Lot Area	280,526 sqft (6.44 acres)
Garage Area	2,426 sqft

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Deck Area	432 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	97060
Street Address	6082 E BOWMAN LAKE RD
City	DULUTH
State	MN
Zip	55803-9416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT 2 EX SLY 1000 FT OF NLY 1200 FT ANDEX PART S OF N 1200 FT SERIAL #
Legal Range	16W
Legal Township	52N
Legal Section	25
Legal Subdivision	GRAND LAKE TOWN OF
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	GRAND LAKE
Census Block Group	1
Census Block	1125
Census Tract	11101

Owner

6082 E Bowman Lake Rd is owned and occupied by an individual who acquired it in March 2004.

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

Owner of Record	Individual Name on File
Mailing Address	6082 E BOWMAN LAKE RD, DULUTH, MN 55803-9416
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

Date	Document
Aug 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage SHARE ADVANTAGE CU
Sep 8, 2017	Loan Modification, Mortgage ALERUS FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 26, 2004
Transfer Doc	0000939940
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6082 E BOWMAN LAKE RD, DULUTH, MN 55803-9416
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001450828
Date	Aug 29, 2022
Instrument	1450828

Lender

Name	SHARE ADVANTAGE CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 22, 2032

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	6082 E BOWMAN LAKE RD, DULUTH, MN 55803-9416
Document Number	00A1317413
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6082 E BOWMAN LAKE RD DULUTH MN 558039416, DULUTH, MN 55803-9416

Mortgage

Document Number	00A1317413
Date	Sep 13, 2017
Instrument	A1317413

Lender

Name	ALERUS FIN'L
Type	Funding / Finance Company
Address	GRAND FORKS, ND 58201

Agreement

Term	60 Months
Due	Sep 12, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 6082 E Bowman Lake Rd was $4,614 with a homeowner's exemption, up 14.3% 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	Grand Lake Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,614.00 (+14.26%) Homeowner's exemption
2025	$4,038.00 (-2.18%) Homeowner's exemption	$448,600 (+9.95%) Land $62,200 Building $386,400	$448,600 (+9.95%) Land $62,200 Building $386,400
2024	$4,128.00	$408,000 Land $57,200 Building $350,800	$408,000 Land $57,200 Building $350,800
2022		$382,600 Land $88,700 Building $293,900	$382,600 Land $88,700 Building $293,900

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

Flood

FEMA maps place 6082 E Bowman Lake Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force

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 6082 E Bowman Lake Rd is low, with a 0.02% 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	0.02% 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 2 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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