5138 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5138 Arnold Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Manufactured or Modular Home
Details	2 bd · 1 ba · 936 sqft · built 2017
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on File
Tax Bill	$2,548 (2026)
Deeds & Mortgages	Oct 2017 Mortgage Aug 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0016-01375`

Property Details

APN / Parcel Number

Primary APN	`520-0016-01375`
Alternative APN	`1080239`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	936 sqft Gross Area
1st Floor Area	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	50,530 sqft (1.16 acres)
Garage Area	264 sqft
Deck Area	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1080239
Street Address	5138 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9301
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	SLY 209 FT OF NLY 450 FT OF WLY 241 FTOF NW1/4 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 520-0016-01375

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	5138 ARNOLD RD, DULUTH, MN 55803-9301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Aug 12, 2017	Deed of Trust, Mortgage · Line of Credit US BK
Aug 11, 2017	Quit Claim Deed, Construction Loan · Construction Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jul 06, 2017
Transfer Doc	0001315171
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5138 ARNOLD RD, DULUTH, MN 55803-9301
Document Number	00A1320786
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5138 ARNOLD RD DULUTH MN 558039301, DULUTH, MN 55803-9301

Mortgage

Document Number	00A1320786
Date	Oct 25, 2017
Instrument	A1320786

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5138 ARNOLD RD, DULUTH, MN 55803-9301
Document Number	00A1316679
Instrument Date	Aug 12, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple

Mortgage

Document Number	00A1316679
Date	Aug 31, 2017
Instrument	A1316679

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 30, 2027

Interest

Rate Type	Adjustable Rate

August 2017: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 11, 2017
Property Address	5138 ARNOLD RD, DULUTH, MN 55803-9301
Document Number	00A1315171
Instrument Date	Jul 06, 2017
Instrument	A1315171
Transaction Type	Construction Loan
Record Updated	Aug 28, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 MARYLAND ST #212 DULUTH MN 558111896, 212, DULUTH, MN 55811-1896

Mortgage

Document Number	A1315172
Date	Aug 11, 2017
Instrument	A1315172

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.62%

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	$2,548.00 (+3.75%) Homeowner's exemption
2025	$2,456.00 (+0.9%) Homeowner's exemption	$214,700 (+0.14%) Land $40,000 Building $174,700	$214,700 (+0.14%) Land $40,000 Building $174,700
2024	$2,434.00	$214,400 (+16.84%) Land $39,700 Building $174,700	$214,400 (+16.84%) Land $39,700 Building $174,700
2022		$183,500 Land $37,900 Building $145,600	$183,500 Land $37,900 Building $145,600

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1991–2001)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2001, rainfall accumulation, Severe Winter Storms, Flooding, And Tornadoes

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; 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 42 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

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

Mobile Coverage

5G and 4G LTE

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