5303 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5303 Arnold Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,220 sqft · built 1958
Lot Size	3.54 acres (154,202 sqft)
Owner	Individual Name on File
Tax Bill	$4,436 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0012-01602`

Property Details

APN / Parcel Number

Primary APN	`520-0012-01602`
Alternative APN	`91417`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,220 sqft Gross Area
1st Floor Area	1,220 sqft
Basement Area	915 sqft
Finished Basement	915 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Lot Area	154,202 sqft (3.54 acres)
Garage Area	2,390 sqft

Exterior Amenities

Porch	Slab
Deck Area	240 sqft
Storage Building	56 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	91417
Street Address	5303 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	SLY 233 FT OF ELY 660 FT OF SE 1/4 OFSE 1/4 SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	15
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1007
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0012-01602

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	5303 ARNOLD RD, DULUTH, MN 55803-9315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Nov 09, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5303 ARNOLD RD, DULUTH, MN 55803-9315
Transaction Type	Mortgage
Record Updated	Dec 19, 2022
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001063352
Date	Nov 09, 2022
Instrument	1063352

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 07, 2037

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5303 ARNOLD RD, DULUTH, MN 55803-9315
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5303 ARNOLD RD, DULUTH, MN 55803-9315

Mortgage

Document Number	0001052171
Date	Jan 13, 2022
Instrument	1052171

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 06, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5303 ARNOLD RD, DULUTH, MN 55803-9315
Document Number	000T991740
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5303 ARNOLD RD DULUTH MN 558039315, DULUTH, MN 55803-9315

Mortgage

Document Number	000T991740
Date	Nov 03, 2017
Instrument	T991740

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 02, 2022

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	$4,436.00 (+3.55%) Homeowner's exemption
2025	$4,284.00 (-3.86%) Homeowner's exemption	$346,500 (-) Land $61,000 Building $285,500	$346,500 (-) Land $61,000 Building $285,500
2024	$4,456.00	$346,500 (+45.65%) Land $61,000 Building $285,500	$346,500 (+45.65%) Land $61,000 Building $285,500
2022		$237,900 Land $58,400 Building $179,500	$237,900 Land $58,400 Building $179,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370104001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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	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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Consolidated Telephone Company Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 6 locations within half a mile of this property.

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