6715 Bear Island Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6715 Bear Island Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.25 ba · 2,880 sqft · built 2004
Lot Size	14.5 acres (631,620 sqft)
Owner	Individual Name on File
Last Sale	$279,000 (Oct 2022)
Tax Bill	$3,162 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`365-0010-01526`

Property Details

APN / Parcel Number

Primary APN	`365-0010-01526`
Alternative APNs	`1003282` `1138324`

Interior

Bedrooms	1 Bed
Full Baths	1.25 Baths
Stories	1 Story
Building Area	2,880 sqft Gross Area
1st Floor Area	1,920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	631,620 sqft (14.5 acres)
Garage Area	1,920 sqft
Porch	Slab
Porch Area	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1138324
Street Address	6715 BEAR ISLAND RD
City	DULUTH
State	MN
Zip	55803-8400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	THAT PART OF E1/2 OF SE1/4 LYING NLY OFEXISTING BEAR ISLAND RD ELY OF LINE A & WLYOF LINE B LINE A COMM AT SE COR OF SEC
Legal Range	15W
Legal Township	52N
Legal Section	09
Legal Subdivision	FREDENBERG TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	FREDENBERG
Census Block Group	1
Census Block	1036
Census Tract	10602

Owner

6715 Bear Island Rd is owned and occupied by an individual who bought it in October 2022.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	6715 BEAR ISLAND RD, DULUTH, MN 55803-8400
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2022	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA
Oct 12, 2022	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA
Apr 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HERMANTOWN FCU
Jul 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2022 · Amount on File
Deed Sale	Oct 12, 2022 · Amount on File
Prior Sale	Oct 10, 2022 · Amount on File
Deed Document Number	20221454063
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 10, 2022
Property Address	6715 BEAR ISLAND RD, DULUTH, MN 55803-8400
Document Number	0001062267
Instrument Date	Sep 29, 2022
Instrument	1062267
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$920.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6715 BEAR ISLAND RD, DULUTH, MN 55803-8400

Mortgage

Document Number	0001062268
Date	Oct 10, 2022
Instrument	1062268

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	1-Year T-Bill
Max Rate	10.2%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 12, 2022
Property Address	6715 BEAR ISLAND RD, DULUTH, MN 55803-8400
Document Number	0001454063
Instrument Date	Sep 29, 2022
Instrument	1454063
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6715 BEAR ISLAND RD, DULUTH, MN 55803-8400

Mortgage

Document Number	0001454064
Date	Oct 12, 2022
Instrument	1454064

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6715 BEAR ISLAND RD, DULUTH, MN 55803-8400
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6715 BEAR ISLAND RD, DULUTH, MN 55803-8400

Mortgage

Document Number	0001055753
Date	Apr 21, 2022
Instrument	1055753

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 2, 2032

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 5, 2019
Property Address	6715 BEAR ISLAND RD, DULUTH, MN 55803-8400
Document Number	00T1012186
Instrument Date	Jul 5, 2019
Instrument	T1012186
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6715 BEAR ISLAND RD DULUTH MN 558038400, DULUTH, MN 55803-8400

Tax Assessment & Valuation

The 2026 property tax bill for 6715 Bear Island Rd was $3,162 with a homeowner's exemption, up 1.8% from the year before.

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	$3,162.00 (+1.8%) Homeowner's exemption
2025	$3,106.00 (+6.01%) Homeowner's exemption	$382,000 (+18.3%) Land $109,700 Building $272,300	$382,000 (+18.3%) Land $109,700 Building $272,300
2024	$2,930.00	$322,900 Land $91,800 Building $231,100	$322,900 Land $91,800 Building $231,100
2022		$247,000 Land $37,900 Building $209,100	$247,000 Land $37,900 Building $209,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6715 Bear Island Rd in Zone X, an area of minimal flood risk.

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	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.

Wildfire

Wildfire risk around 6715 Bear Island Rd is low, with a 0.01% annual chance of 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bear Island Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures