1020 W Arrowhead Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 1020 W Arrowhead Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,056 sqft · built 1953
Lot Size	0.27 acres (11,801 sqft)
Owner	Individual Name on File
Last Sale	$253,636 (Aug 2021)
Tax Bill	$4,424 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4345-00330`

Property Details

APN / Parcel Number

Primary APN	`010-4345-00330`
Alternative APN	`1115919`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,056 sqft Gross Area
1st Floor Area	1,056 sqft
Basement Area	783 sqft
Finished Basement	783 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	11,801 sqft (0.27 acres)
Garage Area	264 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	57 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1115919
Street Address	1020 W ARROWHEAD RD
City	DULUTH
State	MN
Zip	55811-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0033 SERIAL #
Legal Subdivision	UNIVERSITY HEIGHTS ADDITION
Legal Lot Number	33
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3014
Census Tract	15700

Owner

1020 W Arrowhead Rd is owned and occupied by an individual who acquired it in December 2023.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	1020 W ARROWHEAD RD, DULUTH, MN 55811-2212
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NAT'L BK
Aug 29, 2018	Warranty Deed, Transfer · Conventional Mortgage TCF NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Prior Sale	Aug 29, 2018 · Amount on File
Deed Document Number	20211046025
Last Transfer Date	Dec 4, 2023
Transfer Doc	0001074939
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 30, 2021
Property Address	1020 W ARROWHEAD RD, DULUTH, MN 55811-2212
Document Number	0001046025
Instrument Date	Aug 13, 2021
Instrument	1046025
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$836.55
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 W ARROWHEAD RD, DULUTH, MN 55811-2212

Mortgage

Document Number	0001046026
Date	Aug 30, 2021
Instrument	1046026

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1020 W ARROWHEAD RD, DULUTH, MN 55811-2212
Document Number	00T1025204
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1020 W ARROWHEAD RD #R DULUTH MN 558112212, R, DULUTH, MN 55811-2212

Mortgage

Document Number	00T1025204
Date	Jun 30, 2020
Instrument	T1025204

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 29, 2035

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 29, 2018
Property Address	1020 W ARROWHEAD RD, DULUTH, MN 55811-2212
Document Number	00A1002070
Instrument Date	Aug 23, 2018
Instrument	A1002070
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1020 W ARROWHEAD RD DULUTH MN 558112212, DULUTH, MN 55811-2212

Mortgage

Document Number	T1002071
Date	Aug 29, 2018
Instrument	T1002071

Lender

Name	TCF NAT'L BK
Type	Bank
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1020 W Arrowhead Rd was $4,424 with a homeowner's exemption, up 21.7% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,424.00 (+21.67%) Homeowner's exemption
2025	$3,636.00 (+1.39%) Homeowner's exemption	$343,800 (+21.36%) Land $39,200 Building $304,600	$343,800 (+21.36%) Land $39,200 Building $304,600
2024	$3,586.00	$283,300 Land $36,300 Building $247,000	$283,300 Land $36,300 Building $247,000
2022		$244,600 Land $42,800 Building $201,800	$244,600 Land $42,800 Building $201,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1020 W Arrowhead Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1020 W Arrowhead 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 94% of the US · lower than 82% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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