6395 Tower Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6395 Tower Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,176 sqft · built 2022
Lot Size	36.7 acres (1,602,572 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jun 2022)
Tax Bill	$4,022 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Apr 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`365-0010-04240`

Property Details

APN / Parcel Number

Primary APN	`365-0010-04240`
Alternative APN	`1132333`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,176 sqft Gross Area
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,602,572 sqft (36.7 acres)
Garage Area	544 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1132333
Street Address	6395 TOWER RD
City	DULUTH
State	MN
Zip	55803-9377
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	SE1/4 OF NE1/4 EX 3.21 AC AT SE COR SERIAL #
Legal Range	15W
Legal Township	52N
Legal Section	24
Legal Subdivision	FREDENBERG TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	FREDENBERG
Census Block Group	1
Census Block	1017
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	Individual Name on Record
Mailing Address	6395 TOWER RD, DULUTH, MN 55803-9377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Apr 28, 2023	Deed of Trust, Mortgage · Construction Mortgage NORTH SHORE BANK OF COMMERCE
Jun 23, 2022	Warranty Deed, Transfer · Commercial Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2022 · Amount on Record
Deed Sale	Jun 23, 2022 · Amount on Record
Prior Sale	Jan 7, 2004 · Amount on Record
Deed Document Number	20221445981
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6395 TOWER RD, DULUTH, MN 55803-9377
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001475851
Date	Oct 11, 2023
Instrument	1475851

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.15%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	4.15%
Max Rate At Change	8.15%
Index	1-Year T-Bill
Max Rate	11.1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6395 TOWER RD, DULUTH, MN 55803-9377
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5010 FISH LAKE RD, DULUTH, MN 55803-8433

Mortgage

Document Number	0001465687
Date	Apr 28, 2023
Instrument	1465687

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Mar 26, 2028

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 23, 2022
Property Address	6395 TOWER RD, DULUTH, MN 55803-9377
Document Number	0001445981
Instrument Date	Jun 17, 2022
Instrument	1445981
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5010 FISH LAKE RD, DULUTH, MN 55803-8433

Mortgage

Document Number	0001445982
Date	Jun 23, 2022
Instrument	1445982

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jun 21, 2025

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	Fredenberg Township
Unified School District	Hermantown Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,022.00 (+8.7%)
2025	$3,700.00 (+31.86%)	$385,000 (+2.37%) Land $179,200 Building $205,800	$385,000 (+2.37%) Land $179,200 Building $205,800
2024	$2,806.00	$376,100 (+249.21%) Land $145,000 Building $231,100	$376,100 (+249.21%) Land $145,000 Building $231,100
2022		$107,700 Land $107,500 Building $200	$107,700 Land $107,500 Building $200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	7 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

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
CTC Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Nearby Properties on Tower Rd

Nearby Streets

All Duluth, MN Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures