St. Louis County property record for 6978 Bear Island Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,312 sqft · built 1972 |
| Owner | Individual Name on File |
| Last Sale | $137,384 (Sep 2023) |
| Tax Bill | $5,030 (2023) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 365-6000-03065 |
| Primary APN | 365-6000-03065 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,312 sqft Gross Area |
| Gross Area | 1,984 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Garage Area | 2,328 sqft |
| Deck Area | 44 sqft |
|---|---|
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1033831 |
|---|---|
| Street Address | 6978 BEAR ISLAND RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NW 1/4 OF SE 1/4 LEASE #14-14MP 365-10-280 SERIAL # |
| Legal Range | 15 |
| Legal Township | 52 |
| Legal Section | 02 |
| Legal Subdivision | MINNESOTA POWER LEASE SITES |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FREDENBERG |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10602 |
6978 Bear Island Rd is owned by an individual who bought it in September 2023.
Source: St. Louis County records, as of April 29, 2024
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 File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12001 PERSIMMON AVE NE, ALBUQUERQUE, NM 87111-6254 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2023 · Amount on File |
| Deed Sale | Sep 8, 2023 · Amount on File |
| Deed Document Number | 1473617 |
| Record Updated | Jun 7, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 8, 2023 |
| Property Address | 6978 BEAR ISLAND RD, DULUTH, MN 55803-9448 |
| Document Number | 0001473617 |
| Instrument Date | Aug 16, 2023 |
| Instrument | 1473617 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $453.37 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 12001 PERSIMMON AVE NE, ALBUQUERQUE, NM 87111-6254 |
| Document Number | 0001473618 |
|---|---|
| Date | Sep 8, 2023 |
| Instrument | 1473618 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.7% |
| Type Change Date | Sep 1, 2026 |
| Change Frequency | 3 Years |
| Min Rate At Change | 3.7% |
| Max Rate At Change | 7.7% |
| Index | 3-Year TN |
| Max Rate | 10.7% |
Source: St. Louis County assessment roll, as of February 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $5,030.00 Homeowner's exemption | ||
| 2022 | $5,030.00 | $452,400 Land $128,700 Building $323,700 | $452,400 Land $128,700 Building $323,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6978 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 6978 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 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.
Source: FCC Broadband Data Collection, based on 41 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 |
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