St. Louis County property record for 4802 Arnold Rd, Duluth, MN 55803 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1992 |
| Square Footage | 3,342 sqft Gross Area |
| Lot Size | 1,738,044 sqft (39.9 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $300,000 (2018) |
| Tax Bill | $15,380.00 (2026) |
Source: St. Louis County records · APN 010-2720-00100
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 | Individual Name on File |
|---|---|
| Mailing Address | 4802 ARNOLD RD, DULUTH, MN 55803-1327 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 04, 2022 | Deed of Trust, Mortgage · Building or Construction Mortgage NORTH SHORE FCU |
| Dec 04, 2024 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE FCU |
| Jul 09, 2020 | Deed of Trust, Mortgage NORTH SHORE FCU |
| Oct 08, 2019 | Deed of Trust, Mortgage NORTH SHORE FCU |
| Oct 24, 2018 | Warranty Deed, Transfer NORTH SHORE FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 24, 2018 · Amount on Record |
| Deed Sale | Oct 24, 2018 · Amount on Record |
| Prior Sale | Nov 06, 2002 · Amount on Record |
| Deed Doc Number | 20181004207 |
| Prior Transfer Date | Nov 22, 2005 |
| Prior Transfer Doc | 0000816206 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4802 ARNOLD RD, DULUTH, MN 55803-1327 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4802 ARNOLD RD, DULUTH, MN 55803-1327 |
| Document Number | 0001059642 |
|---|---|
| Date | Aug 04, 2022 |
| Instrument | 1059642 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Jul 20, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jul 20, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 5% |
| Max Rate At Change | 7% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4802 ARNOLD RD, DULUTH, MN 55803-1327 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001085630 |
|---|---|
| Date | Dec 04, 2024 |
| Instrument | 1085630 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Nov 22, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4802 ARNOLD RD, DULUTH, MN 55803-1327 |
| Document Number | 00T1026249 |
| Instrument Date | Jul 09, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 4802 ARNOLD RD DULUTH MN 558031327, DULUTH, MN 55803-1327 |
| Document Number | 00T1026249 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | T1026249 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 21, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4802 ARNOLD RD, DULUTH, MN 55803-1327 |
| Document Number | 00T1017139 |
| Instrument Date | Oct 08, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 4802 ARNOLD RD DULUTH MN 558031327, DULUTH, MN 55803-1327 |
| Document Number | 00T1017139 |
|---|---|
| Date | Nov 06, 2019 |
| Instrument | T1017139 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Nov 05, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 24, 2018 |
| Property Address | 4802 ARNOLD RD, DULUTH, MN 55803-1327 |
| Document Number | 00T1004207 |
| Instrument Date | Oct 15, 2018 |
| Instrument | T1004207 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2018 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 4802 ARNOLD RD DULUTH MN 558031327, DULUTH, MN 55803-1327 |
| Document Number | A1004208 |
|---|---|
| Date | Oct 24, 2018 |
| Instrument | A1004208 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,380.00 (+9.05%) Homeowner's exemption | ||
| 2025 | $14,104.00 (+138.32%) Homeowner's exemption | $999,700 (+15.33%) Land $57,400 Building $942,300 | $999,700 (+15.33%) Land $57,400 Building $942,300 |
| 2024 | $5,918.00 | $866,800 (+546.38%) Land $57,500 Building $809,300 | $866,800 (+546.38%) Land $57,500 Building $809,300 |
| 2022 | $134,100 Land $64,300 Building $69,800 | $134,100 Land $64,300 Building $69,800 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 010-2720-00100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Building Area | 3,342 sqft Gross Area |
| 1st Floor | 400 sqft 1st Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Metal Exterior |
| Construction Type | Frame Construction |
| Lot Area | 1,738,044 sqft (39.9 acres) |
| Garage Area | 1,036 sqft Garage |
| Total Buildings | 2 Total Buildings |
|---|---|
| Porch Area | 120 sqft Porch |
| Sauna | Sauna |
| Storage Building | 216 sqft Storage Building |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 1082922 |
|---|---|
| Street Address | 4802 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-1327 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NW1/4 OF SW1/4 EX .10 AC AT SW COR FORRD SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 35 |
| Legal Subdivision | DULUTH LANDS IN THE CITY |
| Jurisdiction | ST LOUIS MN |
| Minor Civil Division | DULUTH |
| Census Blockgroup | 3 |
| Census Block | 3011 |
| Census Tract | 100 |
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