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5404 & 5410 North Shore Dr, Duluth, MN, 55804

4beds
2baths
2,363sqft
$929,000
$393price/sqft
$5,869/moest. monthly cost
$234,760/yrincome needed

About This Home

Wake up to the sights and sounds of Lake Superior in this inviting 4-bedroom, 2-bath home situated along North Shore Drive just outside Duluth. Offering the convenience of city sewer and an unbeatable waterfront location, this property combines everyday comfort with the natural beauty of Minnesota's North Shore. Enjoy private, deeded access to a stunning rock shoreline and gravel beach, perfect for exploring, skipping stones, watching passing ships, or simply taking in spectacular sunrises over the lake. A thoughtfully placed fence and mature landscaping create a private retreat, sheltering the home from the road while enhancing the peaceful atmosphere. Adding even more value, the sale includes an adjacent vacant parcel, providing extra space for recreation, future possibilities, or simply preserving your privacy. Whether you're looking for a year-round residence, a vacation getaway, or an investment opportunity, this rare Lake Superior property offers endless potential in one of the area's most sought-after locations. Just minutes from Duluth's dining, shopping, healthcare, and outdoor recreation, you'll enjoy the perfect balance of seclusion and convenience while living on the shores of the world's largest freshwater lake.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
13
BikeSomewhat Bikeable

Schools

6/10
Minnehaha Elementary SchoolGrades PK-512.9 mi
7/10
Two Harbors SecondaryGrades 6-1214.4 mi

Construction

Condition

  • Property condition: Previously Owned
  • Year built: 1992

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Den/Office,Family/Rec Room,Utility Room

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 792
  • Finished area above ground: 1,571

Heating

  • Heating features: Forced Air,Propane,Electric

Interior Area

  • Total interior livable area: 2,363 sqft

Property

Details

  • Parcel number: 315001001880 +315006400230
  • Foundation area: 952

Features

  • On waterfront: Yes
  • Waterfront features: Lake Superior,Waterfront Access(Deeded Access)
  • Waterbody name: Lake Superior
  • Frontage length: 202

Lot

  • Lot size: 1 Acres
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather
Tsunami

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 $4,697$56,364
Home Insurance *$184$2,208
Property Taxes $789$9,468
Electricity $199$2,391
Total$5,869$70,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,222/yr
40% on housing$176,070/yr
45% on housing$156,506/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

$393This listing

vs Other Active Listings

Avg $/sqft

ZIP 55804$301
St. Louis County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 55804
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-26Listed for sale$929,000

For Sale by Agent

AgentJon Chapek
BrokerageOdyssey Real Estate Group

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