St. Louis County property record for 5146 Arnold Rd, Duluth, MN 55803 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1989 |
| Lot Size | 1.33 acres (57,935 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,330 (2026) |
| Deeds & Mortgages | Feb 2018 Line of Credit Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0016-01372 |
| Primary APN | 520-0016-01372 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Gross Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 520 sqft |
| Finished Basement | 520 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 57,935 sqft (1.33 acres) |
| Garage Area | 480 sqft |
| Deck Area | 126 sqft |
| Storage Building | 64 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 23280 |
|---|---|
| Street Address | 5146 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 241 FT OF W 241 FT OF SW 1/4 OF SW 1/4 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 |
Source: St. Louis County records · APN 520-0016-01372
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 | 5146 ARNOLD RD, DULUTH, MN 55803-9301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2018 | Deed of Trust, Mortgage · Line of Credit US BK |
| Aug 12, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Nov 02, 2022 |
| Transfer Doc | 0001456193 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5146 ARNOLD RD, DULUTH, MN 55803-9301 |
| Document Number | 0001348014 |
| Instrument Date | Feb 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5146 ARNOLD RD DULUTH MN 558039301, DULUTH, MN 55803-9301 |
| Document Number | 0001348014 |
|---|---|
| Date | Jan 09, 2019 |
| Instrument | 1348014 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 08, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5146 ARNOLD RD, DULUTH, MN 55803-9301 |
| Document Number | 00A1316679 |
| Instrument Date | Aug 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5146 ARNOLD RD DULUTH MN 558039301, DULUTH, MN 55803-9301 |
| Document Number | 00A1316679 |
|---|---|
| Date | Aug 31, 2017 |
| Instrument | A1316679 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 30, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $3,330.00 (+3.61%) Homeowner's exemption | ||
| 2025 | $3,214.00 (+1.77%) Homeowner's exemption | $266,100 (+0.08%) Land $40,800 Building $225,300 | $266,100 (+0.08%) Land $40,800 Building $225,300 |
| 2024 | $3,158.00 | $265,900 (+17.4%) Land $40,600 Building $225,300 | $265,900 (+17.4%) Land $40,600 Building $225,300 |
| 2022 | $226,500 Land $38,800 Building $187,700 | $226,500 Land $38,800 Building $187,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Nearby Flood Policies | 3 in force 2 of 3 on primary residences |
| 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 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.
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