1028 W Arrowhead Rd, Duluth, MN 55811 Property Records

St. Louis County property record for 1028 W Arrowhead Rd, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 876 sqft · built 1953
Lot Size	0.298 acres (13,000 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Jun 2022)
Tax Bill	$2,958 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-4345-00350`

Property Details

APN / Parcel Number

Primary APN	`010-4345-00350`
Alternative APN	`1131978`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	876 sqft Gross Area
1st Floor Area	876 sqft
Basement Area	864 sqft
Finished Basement	864 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	13,000 sqft (0.298 acres)
Garage Area	528 sqft
Pool Type	Spa / Hot Tub (No Pool)
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1131978
Street Address	1028 W ARROWHEAD RD
City	DULUTH
State	MN
Zip	55811-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0035 SERIAL #
Legal Subdivision	UNIVERSITY HEIGHTS ADDITION
Legal Lot Number	35
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3014
Census Tract	15700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1028 W ARROWHEAD RD, DULUTH, MN 55811-2212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONAL BANK OF COMMERCE
Jun 16, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2022 · Amount on Record
Deed Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	20221057852
Prior Transfer Date	Mar 3, 2005
Prior Transfer Doc	0000796088
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1028 W ARROWHEAD RD, DULUTH, MN 55811-2212
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001099215
Date	Feb 20, 2026
Instrument	1099215

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	55 Months
Due	Sep 26, 2030

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 16, 2022
Property Address	1028 W ARROWHEAD RD, DULUTH, MN 55811-2212
Document Number	0001057852
Instrument Date	May 31, 2022
Instrument	1057852
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1028 W ARROWHEAD RD, DULUTH, MN 55811-2212

Mortgage

Document Number	0001057853
Date	Jun 16, 2022
Instrument	1057853

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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	$2,958.00 (+3.57%) Homeowner's exemption
2025	$2,856.00 (-0.76%) Homeowner's exemption	$253,700 (+10.16%) Land $41,300 Building $212,400	$253,700 (+10.16%) Land $41,300 Building $212,400
2024	$2,878.00	$230,300 (+12.89%) Land $38,300 Building $192,000	$230,300 (+12.89%) Land $38,300 Building $192,000
2022		$204,000 Land $45,100 Building $158,900	$204,000 Land $45,100 Building $158,900

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

Nearby Properties on W Arrowhead Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures