St. Louis County property record for 6520 Fredenberg Lake Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.25 ba · 2,100 sqft · built 1992 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Jan 2017) |
| Tax Bill | $5,358 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Jun 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 365-0010-02286 |
| Primary APN | 365-0010-02286 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,100 sqft Gross Area |
| 1st Floor Area | 1,722 sqft |
| Basement Area | 509 sqft |
| Finished Basement | 509 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Construction Type | Frame |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 816 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 154 sqft |
| Storage Building | 128 sqft |
| Pole Barn | 1,120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1126365 |
|---|---|
| Street Address | 6520 FREDENBERG LAKE RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SMU |
| Legal Description | ELY 300 FT OF THE FOLLOWING DESCRIBEDPROPERTY COMM AT SW COR OF SEC 13 THENCENLY AT 90DEG 592.83 FT THENCE 90DEG TOTHE RIGHT |
| Legal Range | 15W |
| Legal Township | 52N |
| Legal Section | 13 |
| Legal Subdivision | FREDENBERG TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FREDENBERG |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 10602 |
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 | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HARBOR CREDIT UNION |
| Jun 10, 2021 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Nov 21, 2018 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Aug 21, 2020 | Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU |
| Feb 23, 2018 | Deed of Trust, Mortgage · Line of Credit HARBOR PT CU |
| Jan 10, 2017 | Warranty Deed, Transfer · Line of Credit DULUTH TEACHERS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2017 · Amount on Record |
| Deed Sale | Jan 10, 2017 · Amount on Record |
| Deed Document Number | 20171301856 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 31, 2026 |
| Property Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Document Number | 0001539588 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 20261539588 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Document Number | 0001539588, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 20261539588 |
| Name | HARBOR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Document Number | 0001416190 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 1416190 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Aug 10, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Document Number | 0001345211 |
|---|---|
| Date | Nov 21, 2018 |
| Instrument | 1345211 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Document Number | 00A1388975 |
| Instrument Date | Aug 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6520 FREDENBERG LAKE RD DULUTH MN 558039468, DULUTH, MN 55803-9468 |
| Document Number | 00A1388975 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | A1388975 |
| Name | HARBOR POINTE CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 26, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Document Number | 00A1328459 |
| Instrument Date | Feb 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 6520 FREDENBERG LAKE RD DULUTH MN 558039468, DULUTH, MN 55803-9468 |
| Document Number | 00A1328459 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | A1328459 |
| Name | HARBOR PT CU |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 27, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 10, 2017 |
| Property Address | 6520 FREDENBERG LAKE RD, DULUTH, MN 55803-9468 |
| Document Number | 00A1301856 |
| Instrument Date | Dec 30, 2016 |
| Instrument | A1301856 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,353.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3540 MINNESOTA AVE DULUTH MN 558022539, DULUTH, MN 55802-2539 |
| Document Number | A1301858 |
|---|---|
| Date | Jan 10, 2017 |
| Instrument | A1301858 |
| Name | DULUTH TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 9, 2022 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Fredenberg Township |
| Unified School District | Hermantown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,358.00 (-4.25%) Homeowner's exemption | ||
| 2025 | $5,596.00 (+2.42%) Homeowner's exemption | $460,900 (-9.31%) Land $87,900 Building $373,000 | $460,900 (-9.31%) Land $87,900 Building $373,000 |
| 2024 | $5,464.00 | $508,200 (+4.85%) Land $90,200 Building $418,000 | $508,200 (+4.85%) Land $90,200 Building $418,000 |
| 2022 | $484,700 Land $86,400 Building $398,300 | $484,700 Land $86,400 Building $398,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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