6651 Schultz Lake Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6651 Schultz Lake Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1980
Lot Size	2.7 acres (118,021 sqft)
Owner	Individual Name on Record
Last Sale	$574,900 (Aug 2020)
Tax Bill	$8,174 (2026)
Deeds & Mortgages	May 2024 Transfer Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`375-0080-00280`

Property Details

APN / Parcel Number

Primary APN	`375-0080-00280`
Alternative APNs	`1093938` `1142536`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,500 sqft Gross Area
1st Floor Area	1,500 sqft
Basement Area	1,104 sqft
Finished Basement	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	118,021 sqft (2.7 acres)
Garage Area	1,200 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	256 sqft
Deck Area	140 sqft
Cabin	480 sqft
Storage Building	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1142536
Street Address	6651 SCHULTZ LAKE RD
City	DULUTH
State	MN
Zip	55803-9254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOTS 28 AND 29 SERIAL #
Legal Subdivision	SCHULTZ LAKE SUMMER HOME TRACT
Legal Lot Number	28-29
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2009
Census Tract	10601

Owner

Source: St. Louis County records, as of August 17, 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	6651 SCHULTZ LAKE RD, DULUTH, MN 55803-9254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2024	Intrafamily Transfer, Transfer
Aug 10, 2020	Warranty Deed, Transfer · Conventional with PMI US BK
Jun 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage HARBOR POINTE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2020 · Amount on Record
Deed Sale	Aug 10, 2020 · Amount on Record
Deed Document Number	20201027121
Last Transfer Date	May 1, 2024
Transfer Doc	0001079045
Record Updated	Sep 20, 2026

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	May 6, 2024
Property Address	6651 SCHULTZ LAKE RD, DULUTH, MN 55803-9254
Document Number	0001079045
Instrument Date	May 1, 2024
Instrument	1079045
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5651 SCHULTZ LAKE RD, DULUTH, MN 55803

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 10, 2020
Property Address	6651 SCHULTZ LAKE RD, DULUTH, MN 55803-9254
Document Number	00T1027121
Instrument Date	Aug 5, 2020
Instrument	T1027121
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,897.00
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	587 HUNTERS POINT RD NEENAH WI 54956, NEENAH, WI 54956

Mortgage

Document Number	T1027122
Date	Aug 10, 2020
Instrument	T1027122

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6651 SCHULTZ LAKE RD, DULUTH, MN 55803-9254
Document Number	00T1011882
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6651 SCHULTZ LAKE RD DULUTH MN 558039254, DULUTH, MN 55803-9254

Mortgage

Document Number	00T1011882
Date	Jun 27, 2019
Instrument	T1011882

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 26, 2024

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	$8,174.00 (+7.98%) Homeowner's exemption
2025	$7,570.00 (+6.62%) Homeowner's exemption	$830,400 (+21.23%) Land $196,700 Building $633,700	$830,400 (+21.23%) Land $196,700 Building $633,700
2024	$7,100.00	$685,000 (+11.15%) Land $265,200 Building $419,800	$685,000 (+11.15%) Land $265,200 Building $419,800
2022		$616,300 Land $252,300 Building $364,000	$616,300 Land $252,300 Building $364,000

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 35 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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