St. Louis County property record for 5740 Arnold Rd, Duluth, MN 55803 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.75 ba · 1,664 sqft · built 2005 |
| Lot Size | 5.45 acres (237,402 sqft) |
| Owner | Individual Name on File |
| Last Sale | $610,000 (Jul 2023) |
| Tax Bill | $7,562 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Nov 2021 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0010-00294 |
| Primary APN | 520-0010-00294 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,664 sqft Gross Area |
| 1st Floor Area | 1,664 sqft |
| Basement Area | 1,664 sqft |
| Finished Basement | 1,664 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 237,402 sqft (5.45 acres) |
| Garage Area | 868 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 324 sqft |
| Deck Area | 440 sqft |
| Storage Building | 32 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1151400 |
|---|---|
| Street Address | 5740 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 330 FT OF SW1/4 OF SW1/4 EX W 600 FT SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 02 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 10400 |
Source: St. Louis County records · APN 520-0010-00294
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 | 5740 ARNOLD RD, DULUTH, MN 55803-9319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Nov 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HERMANTOWN FCU |
| Dec 29, 2017 | Deed of Trust, Mortgage · VA Mortgage CU MTG SVC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 17, 2023 · Amount on Record |
| Deed Sale | Jul 17, 2023 · Amount on Record |
| Deed Document Number | 20231470059 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 17, 2023 |
| Property Address | 5740 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 0001470059 |
| Instrument Date | Jul 12, 2023 |
| Instrument | 1470059 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Title Company | NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,013.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5740 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 0001470060 |
|---|---|
| Date | Jul 17, 2023 |
| Instrument | 1470060 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.85% |
| Type Change Date | Aug 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.85% |
| Max Rate At Change | 7.85% |
| Index | 1-Year T-Bill |
| Max Rate | 10.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5740 ARNOLD RD, DULUTH, MN 55803-9319 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001430525 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 1430525 |
| Name | HERMANTOWN FCU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 15, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5740 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 00A1325835 |
| Instrument Date | Dec 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5740 ARNOLD RD DULUTH MN 558039319, DULUTH, MN 55803-9319 |
| Document Number | 00A1325835 |
|---|---|
| Date | Jan 11, 2018 |
| Instrument | A1325835 |
| Name | CU MTG SVC |
|---|---|
| Address | NEW BRIGHTON, MN 55112 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2048 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $7,562.00 (+5.17%) Homeowner's exemption | ||
| 2025 | $7,190.00 (+4.05%) Homeowner's exemption | $555,600 (+1.29%) Land $78,300 Building $477,300 | $555,600 (+1.29%) Land $78,300 Building $477,300 |
| 2024 | $6,910.00 (-0.6%) | $548,500 (+11.51%) Land $78,300 Building $470,200 | $548,500 (+11.51%) Land $78,300 Building $470,200 |
| 2023 | $6,952.00 Homeowner's exemption | ||
| 2022 | $491,900 (+13.31%) Land $74,900 Building $417,000 | $491,900 (+13.31%) Land $74,900 Building $417,000 | |
| 2021 | $434,100 Land $41,900 Building $392,200 | $434,100 Land $41,900 Building $392,200 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370104001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1991–2001) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2001, rainfall accumulation, Severe Winter Storms, Flooding, And Tornadoes |
| Wildfire Risk | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 2 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Consolidated Telephone Company | Fiber | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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