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 Record |
| 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 |
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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| 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 Record |
| Deed Sale | Sep 8, 2023 · Amount on Record |
| 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 Recorded |
|---|---|
| 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 Recorded |
| 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.
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.
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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