St. Louis County property record for 5651 Arnold Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 864 sqft · built 1994 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,964 (2026) |
| Deeds & Mortgages | Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0012-00082 |
| Primary APN | 520-0012-00082 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Gross Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 432 sqft |
| Finished Basement | 432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Deck Area | 195 sqft |
|---|---|
| Storage Building | 80 sqft |
| Pole Barn | 1,296 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 862279 |
|---|---|
| Street Address | 5651 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-8313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | N1/2 OF N1/2 OF SE1/4 OF NE1/4 SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 10 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10400 |
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 | 5651 ARNOLD RD, DULUTH, MN 55803-8313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 20, 2008 |
| Transfer Doc | 0000849681 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5651 ARNOLD RD, DULUTH, MN 55803-8313 |
| Document Number | 000T989976 |
| Instrument Date | Aug 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 5651 ARNOLD RD DULUTH MN 558038313, DULUTH, MN 55803-8313 |
| Document Number | 000T989976 |
|---|---|
| Date | Sep 20, 2017 |
| Instrument | T989976 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 19, 2022 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,964.00 (+3.56%) Homeowner's exemption | ||
| 2025 | $2,862.00 (-6.78%) Homeowner's exemption | $243,700 (-) Land $60,100 Building $183,600 | $243,700 (-) Land $60,100 Building $183,600 |
| 2024 | $3,070.00 | $243,700 (+4.86%) Land $60,100 Building $183,600 | $243,700 (+4.86%) Land $60,100 Building $183,600 |
| 2022 | $232,400 Land $57,600 Building $174,800 | $232,400 Land $57,600 Building $174,800 |
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
May also be available: Verizon.
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