6541 Homestead Rd, Duluth, MN 55804 Property Records

St. Louis County property record for 6541 Homestead Rd, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1967
Lot Size	9.76 acres (425,146 sqft)
Owner	Individual Name on Record
Tax Bill	$1,476 (2026)
Deeds & Mortgages	Feb 2024 Second Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`315-0020-02490`

Property Details

APN / Parcel Number

Primary APN	`315-0020-02490`
Alternative APN	`536495`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,248 sqft Gross Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	425,146 sqft (9.76 acres)
Garage Area	768 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	30 sqft
Deck Area	112 sqft
Gazebo	162 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	536495
Street Address	6541 HOMESTEAD RD
City	DULUTH
State	MN
Zip	55804-9694
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	SE1/4 OF SW1/4 EX THAT PART COMM AT S QUARTERCOR OF SEC 15 THENCE N00DEG00'00"E ALONG THEN-S QUARTER LINE OF SEC 15 FOR 951
Legal Range	12W
Legal Township	52N
Legal Section	15
Legal Subdivision	DULUTH TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1012
Census Tract	10500

Owner

Source: St. Louis County records, as of September 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	7170 MIKKENEN RD, TWO HARBORS, MN 55616-8060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TWO HARBORS FCU
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6541 HOMESTEAD RD, DULUTH, MN 55804-9694
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6541 HOMESTEAD RD, DULUTH, MN 55804-9694

Mortgage

Document Number	0001482990
Date	Feb 13, 2024
Instrument	1482990

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2039

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6541 HOMESTEAD RD, DULUTH, MN 55804-9694
Document Number	00A1391187
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6541 HOMESTEAD RD DULUTH MN 558049694, DULUTH, MN 55804-9694

Mortgage

Document Number	00A1391187
Date	Sep 23, 2020
Instrument	A1391187

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Sep 22, 2027

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	Duluth Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,476.00 (+15.86%) Homeowner's exemption
2025	$1,274.00 (-9.13%) Homeowner's exemption	$243,400 (+4.87%) Land $75,100 Building $168,300	$243,400 (+4.87%) Land $75,100 Building $168,300
2024	$1,402.00	$232,100 (+16.05%) Land $71,800 Building $160,300	$232,100 (+16.05%) Land $71,800 Building $160,300
2022		$200,000 Land $60,900 Building $139,100	$200,000 Land $60,900 Building $139,100

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 Claims	2 (1993)
Most Recent Claim	May 1993 · erosion

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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