5124 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5124 Arnold Rd, Duluth, MN 55803 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1.5 Baths
Year Built	Built 1928
Square Footage	1,320 sqft Gross Area
Lot Size	108,900 sqft (2.5 acres)
Garage	768 sqft
Occupancy	Owner Occupied
Last Sale	$74,900 (2009)
Tax Bill	$3,106.00 (2026)

Owner

Source: St. Louis County records · APN 520-0016-01380

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	5124 ARNOLD RD, DULUTH, MN 55803-9301
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 03, 2009 · Amount on Record
Deed Sale	Feb 03, 2009 · Amount on Record
Prior Sale	May 07, 2008 · Amount on Record
Deed Doc Number	20091100218
Record Refreshed	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5124 ARNOLD RD, DULUTH, MN 55803-9301
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001352849
Date	Apr 09, 2019
Instrument	1352849

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 01, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

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	$3,106.00 (+3.81%) Homeowner's exemption
2025	$2,992.00 (+1.29%) Homeowner's exemption	$253,600 (+0.2%) Land $59,700 Building $193,900	$253,600 (+0.2%) Land $59,700 Building $193,900
2024	$2,954.00	$253,100 (+16.1%) Land $59,200 Building $193,900	$253,100 (+16.1%) Land $59,200 Building $193,900
2022		$218,000 Land $56,400 Building $161,600	$218,000 Land $56,400 Building $161,600

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

Property Details

APN / Parcel Number

Primary APN	`520-0016-01380`
Alternative APN	`879621`

Interior

Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,320 sqft Gross Area
1st Floor	816 sqft 1st Floor
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	108,900 sqft (2.5 acres)
Garage Area	768 sqft Garage

Exterior Amenities

Deck Area	64 sqft Deck
Porch Area	28 sqft Porch
Sauna	Sauna
Storage Building	160 sqft Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Account Number	879621
Street Address	5124 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9301
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	N1/2 OF SW1/4 OF SW1/4 OF SW1/4 EX S1/2 SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	23
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Minor Civil Division	RICE LAKE
Census Blockgroup	1
Census Block	1010
Census Tract	10400