St. Louis County property record for 4955 Arnold Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,183 sqft · built 1910 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $242,400 (Sep 2020) |
| Tax Bill | $3,262 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2025 Line of Credit + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 520-0016-03950 |
| Primary APN | 520-0016-03950 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,183 sqft Gross Area |
| 1st Floor Area | 676 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 672 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 220 sqft |
| Deck Area | 30 sqft |
| Storage Building | 864 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 1095783 |
|---|---|
| Street Address | 4955 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-2734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | S 1/2 OF SE 1/4 OF NE 1/4 OF SE 1/4 SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 27 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 10400 |
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 | 4955 ARNOLD RD, DULUTH, MN 55803-2734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Line of Credit INTERNATIONAL BANK OF COMMERCE |
| Nov 5, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 8, 2020 | Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE |
| Feb 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2020 · Amount on Record |
| Deed Sale | Sep 8, 2020 · Amount on Record |
| Prior Sale | Sep 20, 2010 · Amount on Record |
| Deed Document Number | 20201389694 |
| Prior Transfer Date | Sep 9, 2010 |
| Prior Transfer Doc | 0001143964 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 15, 2026 |
| Property Address | 4955 ARNOLD RD, DULUTH, MN 55803-2734 |
| Document Number | 0001532644 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20261532644 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 4955 ARNOLD RD, DULUTH, MN 55803-2734 |
| Document Number | 0001532644, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 20261532644 |
| Name | INTERNATIONAL BANK OF COMMERCE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 27, 2051 |
| Rate | 6.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4955 ARNOLD RD, DULUTH, MN 55803-2734 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001521805 |
|---|---|
| Date | Nov 5, 2025 |
| Instrument | 1521805 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 19, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 8, 2020 |
| Property Address | 4955 ARNOLD RD, DULUTH, MN 55803-2734 |
| Document Number | 00A1389694 |
| Instrument Date | Aug 31, 2020 |
| Instrument | A1389694 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE & ABS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4955 ARNOLD RD DULUTH MN 558032734, DULUTH, MN 55803-2734 |
| Document Number | A1389695 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | A1389695 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 7, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4955 ARNOLD RD, DULUTH, MN 55803-2734 |
| Document Number | 00A1305262 |
| Instrument Date | Feb 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2017 |
| Name | Verified Name |
|---|---|
| Address | 4955 ARNOLD RD DULUTH MN 558032734, DULUTH, MN 55803-2734 |
| Document Number | 00A1305262 |
|---|---|
| Date | Mar 6, 2017 |
| Instrument | A1305262 |
| Name | STATE FARM BK |
|---|---|
| Type | Bank |
| Address | EARTH CITY, MO 63045 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 5, 2032 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,262.00 (+3.82%) Homeowner's exemption | ||
| 2025 | $3,142.00 (+1.35%) Homeowner's exemption | $264,500 (+0.19%) Land $71,200 Building $193,300 | $264,500 (+0.19%) Land $71,200 Building $193,300 |
| 2024 | $3,100.00 | $264,000 (+15.84%) Land $70,700 Building $193,300 | $264,000 (+15.84%) Land $70,700 Building $193,300 |
| 2022 | $227,900 Land $67,100 Building $160,800 | $227,900 Land $67,100 Building $160,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Rice Lake serves 1,085 people · EPA ID MN1690049 |
|---|---|
| Water Source | Purchased surface water from Duluth |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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