See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

5278 Twin Pines St #5278, Duluth, MN, 55811

4beds
3baths
2,800sqft
$624,900
$223price/sqft
$4,103/moest. monthly cost
$164,120/yrincome needed

About This Home

Stunning newer construction townhouse in located in Hermantown. On the main level you’ll enjoy the open concept kitchen/dining/living area, which is perfect for entertaining. The kitchen features quartz countertops, beautiful cabinets, a large island and stainless steel appliances. The master suite is amazing, the master bathroom features a shower, gorgeous vanity and a walk in closet. To finish off the rest of the main level, there will be an additional bedroom and/or office, a bathroom and even the laundry room. You’ll love the lower level living area boasting a huge family room/recreational room that are finished with commercial grade flooring that carries a 30 year warranty, 2 additional bedrooms, a full bathroom, with a soaking tub and utility room with plenty of room for storage. You’ll be impressed with the beautiful deck out the back with many mature trees in this wooded backyard. Home features Marvin Windows and LP Smart siding. Home is in close proximity to Hermantown Arena, Schools and the Essential Wellness Center.

Getting Around

13
WalkingCar-Dependent
0
TransitNo Nearby Transit
27
BikeSomewhat Bikeable

Schools

7/10
Hermantown Middle SchoolGrades 5-80.6 mi
10/10
7/10

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2022

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Other,Frame/Wood

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Bath,Bedrooms,Family/Rec Room,Utility Room

Bathroom

  • Level: Basement
  • Area: 87.3
  • Dimensions: 9.7 x 9

Bathroom

  • Level: Main
  • Area: 60.9
  • Dimensions: 5.8 x 10.5

Bedroom

  • Level: Basement
  • Area: 149.6
  • Dimensions: 13.6 x 11

Bedroom

  • Level: Main
  • Area: 127.26
  • Dimensions: 10.1 x 12.6

Bedroom

  • Level: Basement
  • Area: 123.2
  • Dimensions: 11.2 x 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Features

  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,400
  • Finished area above ground: 1,400

Foyer

  • Level: Main
  • Area: 65.6
  • Dimensions: 8.2 x 8

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total interior livable area: 2,800 sqft

Kitchen

  • Level: Main
  • Area: 198.8
  • Dimensions: 14 x 14.2

Living Room

  • Level: Main
  • Area: 345.72
  • Dimensions: 26.8 x 12.9

Master Bedroom

  • Level: Main
  • Area: 169
  • Dimensions: 13 x 13

Mud Room

  • Level: Main
  • Area: 67.34
  • Dimensions: 9.1 x 7.4

Rec Room

  • Level: Basement
  • Area: 624.75
  • Dimensions: 25.5 x 24.5

Utility Room

  • Level: Basement
  • Area: 282.75
  • Dimensions: 19.5 x 14.5

Property

Details

  • Parcel number: 395011500370
  • Foundation area: 4100

Lot

  • Lot size: 6,969 sqft
  • Lot size dimensions: irr

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Hail
Inland Flooding
Strong Wind

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,159$37,908
Home Insurance *$177$2,124
Property Taxes $531$6,372
Electricity $236$2,833
Total$4,103$49,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,674/yr
40% on housing$123,090/yr
45% on housing$109,413/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 55811$199
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55811
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-09Listed for sale$649,900
2023-10-13Sold$576,582

For Sale by Agent

AgentBenjamin Funke
BrokerageRE/MAX Results

Similar Homes