4821 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4821 Arnold Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 832 sqft · built 1952
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$107,500 (Oct 2007)
Tax Bill	$1,902 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0019-00540`

Property Details

APN / Parcel Number

Primary APN	`520-0019-00540`
Alternative APN	`854728`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	832 sqft Gross Area
1st Floor Area	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Bungalow
Exterior Material	Asbestos
Construction Type	Frame
Lot Area	40,946 sqft (0.94 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Porch
Porch Area	50 sqft
Deck Area	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	854728
Street Address	4821 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-1351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	E1/2 OF SE1/4 OF SE1/4 OF NE1/4 EX SLY535 FT SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	34
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1037
Census Tract	10400

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	4821 ARNOLD RD, DULUTH, MN 55803-1351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC
Feb 24, 2021	Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP
Nov 6, 2019	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2007 · Amount on Record
Deed Sale	Oct 1, 2007 · Amount on Record
Deed Document Number	20071064070
Last Transfer Date	Dec 21, 2023
Transfer Doc	0001480289
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4821 ARNOLD RD, DULUTH, MN 55803-1351
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4821 ARNOLD RD, DULUTH, MN 55803-1351

Mortgage

Document Number	0001519708
Date	Oct 7, 2025
Instrument	1519708

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4821 ARNOLD RD, DULUTH, MN 55803-1351
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001404996
Date	Feb 24, 2021
Instrument	1404996

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	WESTMINSTER, MD 21157

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4821 ARNOLD RD, DULUTH, MN 55803-1351
Document Number	00A1369505
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4821 ARNOLD RD DULUTH MN 558031351, DULUTH, MN 55803-1351

Mortgage

Document Number	00A1369505
Date	Dec 13, 2019
Instrument	A1369505

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2049

Interest

Rate Type	Adjustable Rate

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	Rice Lake City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,902.00 (+3.71%) Homeowner's exemption
2025	$1,834.00 (-0.22%) Homeowner's exemption	$169,700 (+0.12%) Land $37,800 Building $131,900	$169,700 (+0.12%) Land $37,800 Building $131,900
2024	$1,838.00	$169,500 (+16.26%) Land $37,600 Building $131,900	$169,500 (+16.26%) Land $37,600 Building $131,900
2022		$145,800 Land $35,900 Building $109,900	$145,800 Land $35,900 Building $109,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1991–2001)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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