6945 Bear Island Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6945 Bear Island Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 800 sqft · built 1970
Owner	Individual Name on Record
Last Sale	$94,015 (Oct 2023)
Tax Bill	$4,900 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`365-6000-02600`

Property Details

APN / Parcel Number

Primary APN	`365-6000-02600`
Alternative APNs	`365-0019-00370` `1025139`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	800 sqft Gross Area
Basement Area	560 sqft
Finished Basement	560 sqft

Exterior

Year Built	Built 1970
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Garage Area	3,576 sqft
Deck Area	96 sqft
Cabin	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1025139
Street Address	6945 BEAR ISLAND RD
City	DULUTH
State	MN
Zip	55803-9448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26, BLOCK 2 SERIAL #
Legal Range	15
Legal Township	52
Legal Section	02
Legal Subdivision	MINNESOTA POWER LEASE SITES
Legal Block	2
Legal Lot Number	26
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 October 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	6945 BEAR ISLAND RD, DULUTH, MN 55803-9448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Deed Document Number	1477152
Record Updated	Jun 8, 2026

October 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 30, 2023
Property Address	6945 BEAR ISLAND RD, DULUTH, MN 55803-9448
Document Number	0001477152
Instrument Date	Oct 10, 2023
Instrument	1477152
Transaction Type	Transfer
Record Updated	Nov 22, 2023

Transaction

Amount	Amount Recorded
Tax	$310.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6945 BEAR ISLAND RD, DULUTH, MN 55803-9448

Mortgage

Document Number	0001477154
Date	Oct 30, 2023
Instrument	1477154

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Oct 11, 2034

Mortgage

Document Number	0001477155
Date	Oct 30, 2023
Instrument	1477155

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Nov 17, 2028

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of February 1, 2025

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
2025	$4,900.00 (+44.46%) Homeowner's exemption
2024		$488,500 (+56.27%) Land $253,100 Building $235,400	$488,500 (+56.27%) Land $253,100 Building $235,400
2023	$3,392.00 Homeowner's exemption
2022	$3,392.00	$312,600 Land $116,300 Building $196,300	$312,600 Land $116,300 Building $196,300

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 96% of the US · lower than 86% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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