St. Louis County property record for 6862 Bear Island Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 1,046 sqft · built 1960 |
| Lot Size | 0.581 acres (25,329 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,852 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 365-0035-00080 |
| Primary APN | 365-0035-00080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,046 sqft Gross Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 726 sqft |
| Finished Basement | 726 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 25,329 sqft (0.581 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 50 sqft |
| Deck Area | 48 sqft |
| Patio Area | 432 sqft |
| Storage Building | 96 sqft |
| Boat House | 364 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 660525 |
|---|---|
| Street Address | 6862 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: 0008 BLOCK:000 SERIAL # |
| Legal Subdivision | DRIFTWOOD SHORES TOWN OF FREDE |
| Legal Lot Number | 8 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FREDENBERG |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10602 |
6862 Bear Island Rd is owned and occupied by two individuals.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1732 LONDON RD, DULUTH, MN 55812-2033 |
| 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.
| Date | Document |
|---|---|
| Feb 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Jul 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Mar 17, 2017 | Deed of Trust, Mortgage · Line of Credit PROCTOR FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6862 BEAR ISLAND RD, DULUTH, MN 55803-9447 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001036042 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 1036042 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6862 BEAR ISLAND RD, DULUTH, MN 55803-9447 |
| Document Number | 000T987889 |
| Instrument Date | Jul 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2017 |
| Title Company | PIONEER TITLE COMPANY, PIONEER TITLE CO |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6859 BEAR ISLAND RD DULUTH MN 558039447, DULUTH, MN 55803-9447 |
| Document Number | 000T987889 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | T987889 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 30, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6862 BEAR ISLAND RD, DULUTH, MN 55803-9447 |
| Document Number | 000T984568 |
| Instrument Date | Mar 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6859 BEAR ISLAND RD DULUTH MN 558039447, DULUTH, MN 55803-9447 |
| Document Number | 000T984568 |
|---|---|
| Date | May 4, 2017 |
| Instrument | T984568 |
| Name | PROCTOR FCU |
|---|---|
| Type | Credit Union |
| Address | PROCTOR, MN 55810 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 3, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 6862 Bear Island Rd was $4,852 with a homeowner's exemption, up 4.3% from the year before.
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 | $4,852.00 (+4.3%) Homeowner's exemption | ||
| 2025 | $4,652.00 (+2.29%) Homeowner's exemption | $410,300 (-11.07%) Land $175,900 Building $234,400 | $410,300 (-11.07%) Land $175,900 Building $234,400 |
| 2024 | $4,548.00 | $461,400 Land $203,300 Building $258,100 | $461,400 Land $203,300 Building $258,100 |
| 2022 | $440,700 Land $194,600 Building $246,100 | $440,700 Land $194,600 Building $246,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6862 Bear Island Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 6862 Bear Island Rd is low, with less than 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 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.
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.
5G (outdoors only) and 4G LTE
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