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5286 Twin Pines St #5286, Duluth, MN, 55811

4beds
3baths
2,760sqft
$549,000
$199price/sqft
$3,651/moest. monthly cost
$146,040/yrincome needed

About This Home

RARE FIND! This spacious 4-bedroom, 3-bath townhome combines comfortable main-level living with an exceptional lower-level entertaining space. As you step onto the front porch and through the front entry, this amazing property feels like "home" from the moment you walk-in and see the vaulted ceilings, rich wood flooring, and a welcoming living room anchored by a cozy gas fireplace. The open-concept kitchen features a center island, breakfast bar, abundant cabinetry, and an adjoining dining area with direct access to the deck—perfect for morning coffee or summer gatherings. The main-floor primary suite provides a private retreat with a walk-in closet and private bathroom featuring double vanity, toilet and walk-in shower. Two additional bedrooms, a full bath, and convenient main-floor laundry with access to a double attached garage complete the main level. In the lower level, you will be instantly "wowed" by the high ceilings and natural light. Here you find an expansive family room with walkout access to the back patio, an additional bedroom with walk-in closet and full guest bath. Make sure not to miss two standout features rarely found at this price point—a dedicated home theater room and a wine room for entertaining and relaxation. Another perk? No HOA! Located on a dead end street close to shopping, restaurants, YMCA, school and more! This property will not last long, call today for your private tour!

Getting Around

13
WalkingCar-Dependent
0
TransitNo Nearby Transit
27
BikeSomewhat Bikeable

Schools

8/10
Hermantown Middle SchoolGrades 5-80.6 mi
10/10
8/10

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 2007

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt Shingle
  • Construction materials: Vinyl,Frame/Wood

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Water Heater-Gas,Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Egress Windows,Finished,Walkout,Bath,Bedrooms,Family/Rec Room,Utility Room,Washer Hook-Ups,Dryer Hook-Ups

Bedroom

  • Level: Main
  • Area: 143
  • Dimensions: 11 x 13

Bedroom

  • Level: Main
  • Area: 108
  • Dimensions: 9 x 12

Bedroom

  • Level: Lower
  • Area: 132
  • Dimensions: 11 x 12

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 60
  • Dimensions: 6 x 10

Family Room

  • Level: Lower
  • Area: 391
  • Dimensions: 17 x 23

Features

  • Eat In Kitchen,Kitchen Island,Vaulted Ceilings,Walk-In Closet(s)
  • Door features: Patio Door
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,300
  • Finished area above ground: 1,460

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,760 sqft

Kitchen

  • Level: Main
  • Area: 182
  • Dimensions: 13 x 14

Living Room

  • Level: Main
  • Area: 210
  • Dimensions: 14 x 15

Master Bedroom

  • Level: Main
  • Area: 168
  • Dimensions: 12 x 14

Media Room

  • Level: Lower
  • Area: 210
  • Dimensions: 14 x 15

Property

Details

  • Parcel number: 395011500430
  • Other equipment: Air to Air Exchange
  • Foundation area: 1480

Features

  • Patio & porch: Deck,Patio,Porch

Lot

  • Lot size: 7,840 sqft
  • Lot size dimensions: 65 x 125

Parking

  • Total spaces: 2
  • Parking features: Asphalt,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 $2,776$33,312
Home Insurance *$177$2,124
Property Taxes $466$5,592
Electricity $232$2,793
Total$3,651$43,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,177/yr
40% on housing$109,530/yr
45% on housing$97,360/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

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 55811$200
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
2026-07-08Price change$549,000
2026-06-24Price change$564,900
2026-06-11Listed for sale$575,000

For Sale by Agent

AgentAmanda Thomas
BrokerageColdwell Banker Realty - Duluth

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