St. Louis County property record for 5430 Arnold Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,318 sqft · built 1920 |
| Lot Size | 13 acres (566,280 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,008 (2026) |
| Deeds & Mortgages | Oct 2022 Line of Credit Feb 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0012-01100 |
| Primary APN | 520-0012-01100 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,318 sqft Gross Area |
| 1st Floor Area | 934 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 566,280 sqft (13 acres) |
| Deck Area | 60 sqft |
| Storage Building | 280 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Account Number | 968688 |
|---|---|
| Street Address | 5430 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | N1/2 OF SW1/4 OF NW1/4 EX THAT PART LYING SOF N 230 FT AND LYING E OF W 620 FT THEREOF. 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 | 1005 |
| Census Tract | 10400 |
Source: St. Louis County assessment roll, 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 File |
|---|---|
| Mailing Address | 5430 ARNOLD RD, DULUTH, MN 55803-9316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2022 | Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU |
| Feb 10, 2026 | Intrafamily Transfer, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Feb 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KING COMMERCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Aug 14, 2014 |
| Transfer Doc | 0001243720 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5430 ARNOLD RD, DULUTH, MN 55803-9316 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001455185 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 1455185 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 10, 2026 |
| Property Address | 5430 ARNOLD RD, DULUTH, MN 55803-9316 |
| Document Number | 0001527723 |
| Instrument Date | Feb 2, 2026 |
| Instrument | 1527723 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5430 ARNOLD RD, DULUTH, MN 55803-9316 |
| Document Number | 0001527724 |
|---|---|
| Date | Feb 10, 2026 |
| Instrument | 1527724 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 2, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.75% |
| Type Change Date | Feb 1, 2036 |
| Change Frequency | Annually |
| Min Rate At Change | 8.75% |
| Max Rate At Change | 10.7% |
| Index | Prime Rate |
| Max Rate | 14.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5430 ARNOLD RD, DULUTH, MN 55803-9316 |
| Document Number | 0001350301 |
| Instrument Date | Feb 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2019 |
| Title Company | PIONEER ABSTRACT |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5430 ARNOLD RD DULUTH MN 558039316, DULUTH, MN 55803-9316 |
| Document Number | 0001350301 |
|---|---|
| Date | Feb 19, 2019 |
| Instrument | 1350301 |
| Name | KING COMMERCIAL LLC |
|---|---|
| Address | 211 HUGHITT AVE, SUPERIOR, WI 54880-1107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 18, 2024 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,008.00 (+3.61%) Homeowner's exemption | ||
| 2025 | $1,938.00 (-8.33%) Homeowner's exemption | $175,200 (-) Land $83,200 Building $92,000 | $175,200 (-) Land $83,200 Building $92,000 |
| 2024 | $2,114.00 | $175,200 (+4.91%) Land $83,200 Building $92,000 | $175,200 (+4.91%) Land $83,200 Building $92,000 |
| 2022 | $167,000 Land $79,400 Building $87,600 | $167,000 Land $79,400 Building $87,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 at the parcel |
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Consolidated Telephone Company Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures