5270 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5270 Arnold Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,936 sqft · built 1985
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Jun 2018)
Tax Bill	$7,462 (2026)
Deeds & Mortgages	Jun 2018 Sale & Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`520-0016-01010`

Property Details

APN / Parcel Number

Primary APN	`520-0016-01010`
Alternative APN	`1052333`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,936 sqft Gross Area
1st Floor Area	2,936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	784 sqft
Storage Building	96 sqft
Pole Barn	2,244 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1052333
Street Address	5270 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	N 1/2 OF S 1/2 OF NW 1/4 OF NW 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	1011
Census Tract	10400

Owner

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	5270 ARNOLD RD, DULUTH, MN 55803-9311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2018	Warranty Deed, Transfer · Conventional with PMI LAKE BK
Aug 3, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2018 · Amount on Record
Deed Sale	Jun 7, 2018 · Amount on Record
Deed Document Number	20181334207
Record Updated	Sep 20, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 7, 2018
Property Address	5270 ARNOLD RD, DULUTH, MN 55803-9311
Document Number	00A1334207
Instrument Date	Jun 6, 2018
Instrument	A1334207
Transaction Type	Transfer
Record Updated	Jun 22, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,270.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5270 ARNOLD RD DULUTH MN 558039311, DULUTH, MN 55803-9311

Mortgage

Document Number	A1334208
Date	Jun 7, 2018
Instrument	A1334208

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5270 ARNOLD RD, DULUTH, MN 55803-9311
Document Number	00A1318421
Instrument Date	Aug 3, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5270 ARNOLD RD DULUTH MN 558039311, DULUTH, MN 55803-9311

Mortgage

Document Number	00A1318421
Date	Sep 27, 2017
Instrument	A1318421

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,462.00 (+3.73%) Homeowner's exemption
2025	$7,194.00 (+8.44%) Homeowner's exemption	$549,400 (+0.13%) Land $97,500 Building $451,900	$549,400 (+0.13%) Land $97,500 Building $451,900
2024	$6,634.00	$548,700 (+19.57%) Land $96,800 Building $451,900	$548,700 (+19.57%) Land $96,800 Building $451,900
2022		$458,900 Land $91,700 Building $367,200	$458,900 Land $91,700 Building $367,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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.

Wildfire

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CTC.

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