6858 Bear Island Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6858 Bear Island Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,452 sqft · built 2016
Lot Size	0.525 acres (22,887 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (May 2016)
Tax Bill	$7,414 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`365-0035-00090`

Property Details

APN / Parcel Number

Primary APN	`365-0035-00090`
Alternative APNs	`1008246` `775932`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,452 sqft Gross Area
1st Floor Area	2,056 sqft
Basement Area	730 sqft
Finished Basement	730 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Frame
Lot Area	22,887 sqft (0.525 acres)
Garage Area	3,018 sqft

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Gazebo	144 sqft
Storage Building	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	775932
Street Address	6858 BEAR ISLAND RD
City	DULUTH
State	MN
Zip	55803-9447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0009 BLOCK:000 SERIAL #
Legal Subdivision	DRIFTWOOD SHORES
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	FREDENBERG
Census Block Group	1
Census Block	1010
Census Tract	10602

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	6858 BEAR ISLAND RD, DULUTH, MN 55803-9447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Jan 5, 2024	Quit Claim Deed, Transfer Quitclaim
May 12, 2020	Deed of Trust, Mortgage · Conventional with PMI NORTH SHORE BK/COMMERCE
Dec 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Jun 12, 2017	Deed of Trust, Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2016 · Amount on Record
Deed Sale	May 5, 2016 · Amount on Record
Deed Document Number	2016970465
Last Transfer Date	Dec 12, 2023
Transfer Doc	0001075919
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6858 BEAR ISLAND RD, DULUTH, MN 55803-9447
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6858 BEAR ISLAND RD, DULUTH, MN 55803-9447

Mortgage

Document Number	0001097571
Date	Dec 23, 2025
Instrument	1097571

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Oct 3, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 5, 2024
Property Address	6858 BEAR ISLAND RD, DULUTH, MN 55803-9447
Document Number	0001075919
Instrument Date	Dec 12, 2023
Instrument	1075919
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6858 BEAR ISLAND RD, DULUTH, MN 55803-9447

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6858 BEAR ISLAND RD, DULUTH, MN 55803-9447
Document Number	00T1023557
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6858 BEAR ISLAND RD DULUTH MN 558039447, DULUTH, MN 55803-9447

Mortgage

Document Number	00T1023557
Date	May 19, 2020
Instrument	T1023557

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6858 BEAR ISLAND RD, DULUTH, MN 55803-9447
Document Number	0001007107
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 12, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6858 BEAR ISLAND RD DULUTH MN 558039447, DULUTH, MN 55803-9447

Mortgage

Document Number	0001007107
Date	Jan 18, 2019
Instrument	1007107

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 17, 2024

Interest

Rate Type	Adjustable Rate
Rate	6.5%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6858 BEAR ISLAND RD, DULUTH, MN 55803-9447
Document Number	000T986163
Instrument Date	Jun 12, 2017
Transaction Type	Mortgage
Record Updated	Jul 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6858 BEAR ISLAND RD DULUTH MN 558039447, DULUTH, MN 55803-9447

Mortgage

Document Number	000T986163
Date	Jun 20, 2017
Instrument	T986163

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

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	$7,414.00 (+4.07%) Homeowner's exemption
2025	$7,124.00 (-4.25%) Homeowner's exemption	$671,600 (+0.27%) Land $155,000 Building $516,600	$671,600 (+0.27%) Land $155,000 Building $516,600
2024		$669,800 (+4.8%) Land $157,000 Building $512,800	$669,800 (+4.8%) Land $157,000 Building $512,800
2023	$7,440.00 Homeowner's exemption
2022		$639,100 Land $150,300 Building $488,800	$639,100 Land $150,300 Building $488,800

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
Nearest Special Flood Hazard Area	Zone A, within 500 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 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 19 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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