5114 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5114 Arnold Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1982
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2020)
Tax Bill	$4,264 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0016-01385`

Property Details

APN / Parcel Number

Primary APN	`520-0016-01385`
Alternative APN	`1095565`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,392 sqft Gross Area
1st Floor Area	1,392 sqft
Basement Area	792 sqft
Finished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	108,900 sqft (2.5 acres)
Garage Area	780 sqft
Deck Area	154 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1095565
Street Address	5114 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	S1/2 OF N1/2 OF SW1/4 OF SW1/4 OF SW1/4 SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	23
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1010
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0016-01385

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	5114 ARNOLD RD, DULUTH, MN 55803-9301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 03, 2020 · Amount on Record
Deed Sale	Sep 03, 2020 · Amount on Record
Deed Document Number	20201389529
Prior Transfer Date	Aug 07, 2020
Prior Transfer Doc	00A1389529
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 03, 2020
Property Address	5114 ARNOLD RD, DULUTH, MN 55803-9301
Document Number	00A1389529
Instrument Date	Aug 07, 2020
Instrument	A1389529
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	STATE LOUIS TITLE LLC, ST LOUIS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5114 ARNOLD RD DULUTH MN 558039301, DULUTH, MN 55803-9301

Mortgage

Document Number	A1389530
Date	Sep 03, 2020
Instrument	A1389530

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 02, 2050

Tax Assessment & Valuation

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

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	$4,264.00 (+3.75%)
2025	$4,110.00 (+4%)	$319,400 (+0.16%) Land $59,700 Building $259,700	$319,400 (+0.16%) Land $59,700 Building $259,700
2024	$3,952.00	$318,900 (+16.86%) Land $59,200 Building $259,700	$318,900 (+16.86%) Land $59,200 Building $259,700
2022		$272,900 Land $56,400 Building $216,500	$272,900 Land $56,400 Building $216,500

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Based on FCC filings for 42 locations within half a mile of this property.

Drinking Water

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	Rice Lake serves 1,085 people
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.