5481 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5481 Arnold Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,000 sqft · built 1958
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Aug 2015)
Tax Bill	$3,198 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`520-0012-01240`

Property Details

APN / Parcel Number

Primary APN	`520-0012-01240`
Alternative APN	`993157`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,000 sqft Gross Area
1st Floor Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Deck Area	48 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	993157
Street Address	5481 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	S1/2 OF N1/2 OF NE1/4 OF NE1/4 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	1006
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0012-01240

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	5481 ARNOLD RD, DULUTH, MN 55803-9316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Feb 04, 2022	Deed of Trust, Mortgage · Line of Credit HARBOR POINT CREDIT UNION
Jan 24, 2022	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Jun 29, 2020	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage HARBOR POINTE CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 03, 2015 · Amount on Record
Deed Sale	Aug 03, 2015 · Amount on Record
Deed Document Number	20151266418
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5481 ARNOLD RD, DULUTH, MN 55803-9316
Transaction Type	Mortgage
Record Updated	Oct 09, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5481 ARNOLD RD, DULUTH, MN 55803-9316

Mortgage

Document Number	0001518058
Date	Sep 12, 2025
Instrument	1518058

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 25, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5481 ARNOLD RD, DULUTH, MN 55803-9316
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5481 ARNOLD RD, DULUTH, MN 55803-9316

Mortgage

Document Number	0001436899
Date	Feb 04, 2022
Instrument	1436899

Lender

Name	HARBOR POINT CREDIT UNION
Type	Non-Lending Institution
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5481 ARNOLD RD, DULUTH, MN 55803-9316
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5481 ARNOLD RD, DULUTH, MN 55803-9316

Mortgage

Document Number	0001435919
Date	Jan 24, 2022
Instrument	1435919

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 01, 2032

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5481 ARNOLD RD, DULUTH, MN 55803-9316
Document Number	00A1384573
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5481 ARNOLD RD DULUTH MN 558039316, DULUTH, MN 55803-9316

Mortgage

Document Number	00A1384573
Date	Jul 09, 2020
Instrument	A1384573

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 08, 2030

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5481 ARNOLD RD, DULUTH, MN 55803-9316
Document Number	00A1384574
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5481 ARNOLD RD DULUTH MN 558039316, DULUTH, MN 55803-9316

Mortgage

Document Number	00A1384574
Date	Jul 09, 2020
Instrument	A1384574

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 08, 2035

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	$3,198.00 (+3.56%) Homeowner's exemption
2025	$3,088.00 (-6.54%) Homeowner's exemption	$260,000 (-) Land $88,500 Building $171,500	$260,000 (-) Land $88,500 Building $171,500
2024	$3,304.00	$260,000 (+5.99%) Land $88,500 Building $171,500	$260,000 (+5.99%) Land $88,500 Building $171,500
2022		$245,300 Land $84,600 Building $160,700	$245,300 Land $84,600 Building $160,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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

Based on FCC filings for 16 locations within half a mile of this property.

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