St. Louis County property record for 1109 W Arrowhead Rd, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 912 sqft · built 1953 |
| Lot Size | 0.295 acres (12,873 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,000 (Aug 2018) |
| Tax Bill | $3,266 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4345-00030 |
| Primary APN | 010-4345-00030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Gross Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 684 sqft |
| Finished Basement | 684 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 12,873 sqft (0.295 acres) |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 36 sqft |
| Storage Building | 49 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1114411 |
|---|---|
| Street Address | 1109 W ARROWHEAD RD |
| City | DULUTH |
| State | MN |
| Zip | 55811-2213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0003 SERIAL # |
| Legal Subdivision | UNIVERSITY HEIGHTS ADDITION |
| Legal Lot Number | 3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 400 |
Source: St. Louis County records · APN 010-4345-00030
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1321 UPLAND DR, HOUSTON, TX 77043-4718 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 05, 2021 | Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST |
| Aug 01, 2018 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 01, 2018 · Amount on Record |
| Deed Sale | Aug 01, 2018 · Amount on Record |
| Prior Sale | Sep 03, 2004 · Amount on Record |
| Deed Document Number | 20181000942 |
| Prior Transfer Date | Jun 06, 2013 |
| Prior Transfer Doc | 0000932041 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 05, 2021 |
| Property Address | 1109 W ARROWHEAD RD, DULUTH, MN 55811-2213 |
| Document Number | 0001044776 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 1044776 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2021 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $693.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1109 W ARROWHEAD RD, DULUTH, MN 55811-2213 |
| Document Number | 0001044777 |
|---|---|
| Date | Aug 05, 2021 |
| Instrument | 1044777 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Oct 01, 2026 |
| Change Frequency | 3 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.1% |
| Index | 3-Year CMT |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 01, 2018 |
| Property Address | 1109 W ARROWHEAD RD, DULUTH, MN 55811-2213 |
| Document Number | 00A1000942 |
| Instrument Date | Jul 31, 2018 |
| Instrument | A1000942 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $491.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 421 MARSHALL ST DULUTH MN 558031971, DULUTH, MN 55803-1971 |
| Document Number | A1000943 |
|---|---|
| Date | Aug 01, 2018 |
| Instrument | A1000943 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2048 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,266.00 (+10.11%) | ||
| 2025 | $2,966.00 (+1.85%) | $241,800 (+12.36%) Land $41,100 Building $200,700 | $241,800 (+12.36%) Land $41,100 Building $200,700 |
| 2024 | $2,912.00 | $215,200 (+12.38%) Land $38,100 Building $177,100 | $215,200 (+12.38%) Land $38,100 Building $177,100 |
| 2022 | $191,500 Land $44,900 Building $146,600 | $191,500 Land $44,900 Building $146,600 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2014 · other causes |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Consolidated Communications.
Based on FCC filings for 339 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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