5324 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5324 Arnold Rd, Duluth, MN 55803

Property Summary

Property Type	Manufactured or Modular Home
Details	4 bd · 2 ba · 1,344 sqft · built 1974
Lot Size	7 acres (304,920 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (Oct 2020)
Tax Bill	$3,818 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520-0012-01178`

Property Details

APN / Parcel Number

Primary APN	`520-0012-01178`
Alternative APN	`1097724`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,344 sqft Gross Area
1st Floor Area	1,344 sqft
Basement Area	821 sqft
Finished Basement	821 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Modular
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	304,920 sqft (7 acres)
Garage Area	576 sqft

Exterior Amenities

Deck Area	336 sqft
Lean-To	96 sqft
Storage Building	112 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1097724
Street Address	5324 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9315
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	MUNS
Legal Description	SLY 425 FT OF WLY 717.43 FT OF NLY 856FT OF SW1/4 OF SW1/4 SERIAL #
Legal Range	14W
Legal Township	51N
Legal Section	14
Legal Subdivision	RICE LAKE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	1
Census Block	1009
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	5324 ARNOLD RD, DULUTH, MN 55803-9315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2020 · Amount on Record
Deed Sale	Oct 12, 2020 · Amount on Record
Deed Document Number	20201392651
Prior Transfer Date	Sep 30, 2020
Prior Transfer Doc	0001392650
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 12, 2020
Property Address	5324 ARNOLD RD, DULUTH, MN 55803-9315
Document Number	00A1392651
Instrument Date	Sep 30, 2020
Instrument	A1392651
Transaction Type	Transfer
Record Updated	Nov 11, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$772.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5324 ARNOLD RD DULUTH MN 558039315, DULUTH, MN 55803-9315

Mortgage

Document Number	A1392653
Date	Oct 12, 2020
Instrument	A1392653

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2050

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	$3,818.00 (+3.58%) Homeowner's exemption
2025	$3,686.00 (-6.11%) Homeowner's exemption	$303,300 (-) Land $80,400 Building $222,900	$303,300 (-) Land $80,400 Building $222,900
2024	$3,926.00	$303,300 (+4.88%) Land $80,400 Building $222,900	$303,300 (+4.88%) Land $80,400 Building $222,900
2022		$289,200 Land $76,900 Building $212,300	$289,200 Land $76,900 Building $212,300

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 19 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

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