6481 E Hunter Lake Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6481 E Hunter Lake Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,766 sqft · built 2004
Lot Size	1.86 acres (81,370 sqft)
Owner	Individual Name on Record
Last Sale	$269,300 (Sep 2015)
Tax Bill	$278 (2026)
Deeds & Mortgages	May 2023 Line of Credit May 2023 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`365-0040-00033`

Property Details

APN / Parcel Number

Primary APN	`365-0040-00033`
Alternative APN	`996097`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,766 sqft Gross Area
1st Floor Area	1,550 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	81,370 sqft (1.86 acres)
Garage Area	1,048 sqft

Exterior Amenities

Porch	Porch
Porch Area	264 sqft
Deck Area	160 sqft
Cabin	352 sqft
Storage Building	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	996097
Street Address	6481 E HUNTER LAKE RD
City	DULUTH
State	MN
Zip	55803-9484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	S 150 FT OF N 300 FT OF LOT 3 SERIAL #
Legal Subdivision	HUNTER LAKE 1ST ADD FREDENBERG
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	FREDENBERG
Census Block Group	2
Census Block	2007
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	6481 E HUNTER LAKE RD, DULUTH, MN 55803-9484
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL CU
May 11, 2023	Deed of Trust, Mortgage TRUSTONE FINANCIAL CU
Oct 30, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2015 · Amount on Record
Deed Sale	Sep 23, 2015 · Amount on Record
Prior Sale	Sep 23, 2003 · Amount on Record
Deed Document Number	20151270401
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6481 E HUNTER LAKE RD, DULUTH, MN 55803-9484
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001466396
Date	May 12, 2023
Instrument	1466396

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 11, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6481 E HUNTER LAKE RD, DULUTH, MN 55803-9484
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14601 27TH AVE N 104, 104, MINNEAPOLIS, MN 55447-4834

Mortgage

Document Number	0001466294
Date	May 11, 2023
Instrument	1466294

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 15, 2028

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6481 E HUNTER LAKE RD, DULUTH, MN 55803-9484
Document Number	00A1367189
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6481 E HUNTER LAKE RD DULUTH MN 558039484, DULUTH, MN 55803-9484

Mortgage

Document Number	00A1367189
Date	Nov 8, 2019
Instrument	A1367189

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

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	$278.00 (-28.35%) Homeowner's exemption
2025	$388.00 (+64.41%) Homeowner's exemption	$340,900 (+0.74%) Land $49,900 Building $291,000	$340,900 (+0.74%) Land $49,900 Building $291,000
2024	$236.00	$338,400 (+4.9%) Land $53,600 Building $284,800	$338,400 (+4.9%) Land $53,600 Building $284,800
2022		$322,600 Land $51,400 Building $271,200	$322,600 Land $51,400 Building $271,200

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 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	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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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