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4954 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4954 Arnold Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,104 sqft · built 1970
Lot Size2.71 acres (118,261 sqft)
OwnerIndividual Name on File
Last Sale$220,000 (Sep 2015)
Tax Bill$4,412 (2026)
Deeds & MortgagesApr 2022 Second Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN520-0030-00020

Property Details

APN / Parcel Number

Primary APN520-0030-00020
Alternative APN
  • 995191

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories1 Story
Building Area1,104 sqft Gross Area
1st Floor Area1,104 sqft
Basement Area552 sqft
Finished Basement552 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1970
Architectural StyleRanch
Exterior MaterialMetal
Construction TypeFrame
Lot Area118,261 sqft (2.71 acres)
Garage Area2,226 sqft
Deck Area110 sqft
Storage Building192 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelOil

Location & Zoning

Account Number995191
Street Address4954 ARNOLD RD
CityDULUTH
StateMN
Zip55803-2706
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 2 3 & 9 SERIAL #
Legal SubdivisionBEDFORD PARK ACRES
Legal Lot Number2-3,9
JurisdictionST LOUIS MN
Township / Civil DivisionRICE LAKE
Census Block Group1
Census Block1019
Census Tract10400

Owner

Source: St. Louis County records · APN 520-0030-00020

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 RecordIndividual Name on File
Mailing Address4954 ARNOLD RD, DULUTH, MN 55803-2706
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 05, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
BAXTER CU
Aug 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MTG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 10, 2015 · Amount on Record
Deed SaleSep 10, 2015 · Amount on Record
Prior SaleSep 20, 2005 · Amount on Record
Deed Document Number20151269429
Prior Transfer DateAug 30, 2005
Prior Transfer Doc0000994806
Record UpdatedSep 20, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4954 ARNOLD RD, DULUTH, MN 55803-2706
Transaction TypeMortgage
Record UpdatedApr 25, 2022
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001440467
DateApr 05, 2022
Instrument1440467
Lender
NameBAXTER CU
TypeCredit Union
AddressVERNON HILLS, IL 60061
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term181 Months
DueApr 30, 2037

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4954 ARNOLD RD, DULUTH, MN 55803-2706
Document Number00A1389251
Instrument DateAug 24, 2020
Transaction TypeMortgage
Record UpdatedOct 06, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address4954 ARNOLD RD DULUTH MN 558032706, DULUTH, MN 55803-2706

Mortgage

Document Number00A1389251
DateSep 01, 2020
InstrumentA1389251
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 31, 2050

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityRice Lake City
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$4,412.00 (+3.76%) Homeowner's exemption
2025$4,252.00 (+2.31%) Homeowner's exemption$344,700 (+0.15%) Land $62,400 Building $282,300$344,700 (+0.15%) Land $62,400 Building $282,300
2024$4,156.00$344,200 (+32.33%) Land $61,900 Building $282,300$344,200 (+32.33%) Land $61,900 Building $282,300
2022$260,100 Land $58,800 Building $201,300$260,100 Land $58,800 Building $201,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370104001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies3 in force
Nearby Flood Claims4 (1991–2001)
Claims Outside the SFHA1 of 4
Most Recent ClaimApr 2001, rainfall accumulation, Severe Winter Storms, Flooding, And Tornadoes

Wildfire

Wildfire RiskLow
above 20% of the US · above 39% of Minnesota
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 54 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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