6445 Jean Duluth Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6445 Jean Duluth Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,102 sqft · built 1986
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$294,000 (Jul 2018)
Tax Bill	$3,878 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`375-0010-04565`

Property Details

APN / Parcel Number

Primary APN	`375-0010-04565`
Alternative APN	`1053929`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,102 sqft Gross Area
1st Floor Area	1,102 sqft
Basement Area	826 sqft
Finished Basement	826 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	1,820 sqft

Exterior Amenities

Porch	Patio
Porch Area	180 sqft
Deck Area	168 sqft
Lean-To	50 sqft
Storage Building	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1053929
Street Address	6445 JEAN DULUTH RD
City	DULUTH
State	MN
Zip	55803-9782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	N1/2 OF S1/2 OF E1/2 OF SE1/4 OF NE1/4 SERIAL #
Legal Range	14W
Legal Township	52N
Legal Section	24
Legal Subdivision	GNESEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2012
Census Tract	10601

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	6445 JEAN DULUTH RD, DULUTH, MN 55803-9782
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FCU
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FCU
Oct 9, 2020	Deed of Trust, Mortgage · Conventional with PMI TWO HARBORS FCU
Jul 10, 2018	Warranty Deed, Transfer · Conventional Mortgage TWO HARBORS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2018 · Amount on Record
Deed Sale	Jul 10, 2018 · Amount on Record
Prior Sale	Jul 14, 2015 · Amount on Record
Deed Document Number	20181336205
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6445 JEAN DULUTH RD, DULUTH, MN 55803-9742
Transaction Type	Mortgage
Record Updated	Apr 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001485217
Date	Mar 29, 2024
Instrument	1485217

Lender

Name	TWO HARBORS FCU
Type	Credit Union
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6445 JEAN DULUTH RD, DULUTH, MN 55803-9742
Document Number	00A1394016
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6445 JEAN DULUTH RD DULUTH MN 558039742, DULUTH, MN 55803-9742

Mortgage

Document Number	00A1394016
Date	Oct 23, 2020
Instrument	A1394016

Lender

Name	TWO HARBORS FCU
Type	Credit Union
Address	TWO HARBORS, MN 55616-2067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2035

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6445 JEAN DULUTH RD, DULUTH, MN 55803-9742
Document Number	00A1394015
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6445 JEAN DULUTH RD DULUTH MN 558039742, DULUTH, MN 55803-9742

Mortgage

Document Number	00A1394015
Date	Oct 23, 2020
Instrument	A1394015

Lender

Name	TWO HARBORS FCU
Type	Credit Union
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 10, 2018
Property Address	6445 JEAN DULUTH RD, DULUTH, MN 55803-9742
Document Number	00A1336205
Instrument Date	Jul 5, 2018
Instrument	A1336205
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	ARROWHEAD TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$970.20
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	6445 JEAN DULUTH RD DULUTH MN 558039742, DULUTH, MN 55803-9742

Mortgage

Document Number	A1336206
Date	Jul 10, 2018
Instrument	A1336206

Lender

Name	TWO HARBORS FCU
Type	Credit Union
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 9, 2033

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	Gnesen Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,878.00 (+6.71%) Homeowner's exemption
2025	$3,634.00 (+8.67%) Homeowner's exemption	$409,800 (+13.83%) Land $58,500 Building $351,300	$409,800 (+13.83%) Land $58,500 Building $351,300
2024	$3,344.00	$360,000 (+29.78%) Land $55,900 Building $304,100	$360,000 (+29.78%) Land $55,900 Building $304,100
2022		$277,400 Land $52,800 Building $224,600	$277,400 Land $52,800 Building $224,600

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	4 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 18 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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