108 W Arrowhead Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 108 W Arrowhead Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,582 sqft · built 1915
Lot Size	0.331 acres (14,422 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Apr 2014)
Tax Bill	$5,092 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`010-0320-00320`

Property Details

APN / Parcel Number

Primary APN	`010-0320-00320`
Alternative APN	`1093456`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,582 sqft Gross Area
1st Floor Area	1,303 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1965
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Lot Area	14,422 sqft (0.331 acres)
Garage Area	286 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1093456
Street Address	108 W ARROWHEAD RD
City	DULUTH
State	MN
Zip	55803-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 AND W 85 FT OF LOT 9 SERIAL #
Legal Subdivision	BROOKLINE
Legal Block	3
Legal Lot Number	8-9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3006
Census Tract	500

Owner

108 W Arrowhead Rd is owned and occupied by an individual who bought it in April 2014.

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

Owner of Record	Individual Name on File
Mailing Address	108 W ARROWHEAD RD, DULUTH, MN 55803-2453
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
Jan 6, 2026	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jul 31, 2020	Warranty Deed, Transfer · Conventional with PMI MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2014 · Amount on File
Deed Sale	Apr 8, 2014 · Amount on File
Prior Sale	Jun 12, 2013 · Amount on File
Deed Document Number	2014943169
Prior Transfer Date	Jul 24, 2002
Prior Transfer Doc	0000728638
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	108 W ARROWHEAD RD, DULUTH, MN 55803-2453
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001097984
Date	Jan 6, 2026
Instrument	1097984

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	228 Months
Due	Jan 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 31, 2020
Property Address	108 W ARROWHEAD RD, DULUTH, MN 55803-2453
Document Number	00T1026727
Instrument Date	Jul 20, 2020
Instrument	T1026727
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$846.00
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	108 W ARROWHEAD RD DULUTH MN 558032453, DULUTH, MN 55803-2453

Mortgage

Document Number	T1026728
Date	Jul 31, 2020
Instrument	T1026728

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 108 W Arrowhead Rd was $5,092 with a homeowner's exemption, up 4.7% 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	$5,092.00 (+4.69%) Homeowner's exemption
2025	$4,864.00 (+4.15%) Homeowner's exemption	$390,100 (+6.41%) Land $85,000 Building $305,100	$390,100 (+6.41%) Land $85,000 Building $305,100
2024	$4,670.00	$366,600 Land $79,300 Building $287,300	$366,600 Land $79,300 Building $287,300
2022		$291,200 Land $43,400 Building $247,800	$291,200 Land $43,400 Building $247,800

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

Flood

FEMA maps place 108 W Arrowhead Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2012)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 108 W Arrowhead Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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: CenturyLink, CTC, Fidium Fiber.

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