St. Louis County property record for 5743 Arnold Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,308 sqft · built 1980 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $487,500 (Feb 2024) |
| Tax Bill | $3,388 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Feb 2024 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0010-00690 |
| Primary APN | 520-0010-00690 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,308 sqft Gross Area |
| 1st Floor Area | 1,308 sqft |
| Basement Area | 924 sqft |
| Finished Basement | 924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 1,872 sqft |
| Porch | Slab |
|---|---|
| Deck Area | 231 sqft |
| Storage Building | 203 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1161986 |
|---|---|
| Street Address | 5743 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | N 1/2 OF N 1/2 OF SE 1/4 OF SE 1/4 SERIAL # |
| Legal Range | 14W |
| Legal Township | 51N |
| Legal Section | 03 |
| Legal Subdivision | RICE LAKE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 1 |
| Census Block | 1002 |
| 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 | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 5, 2024 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 1, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage KNOCK LENDING LLC |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| May 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Apr 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 5, 2024 · Amount on Record |
| Deed Sale | Feb 5, 2024 · Amount on Record |
| Prior Sale | Aug 23, 2011 · Amount on Record |
| Deed Document Number | 20241076739 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 0001097398 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 1097398 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 5, 2024 |
| Property Address | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 0001076739 |
| Instrument Date | Feb 2, 2024 |
| Instrument | 1076739 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2024 |
| Title Company | NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,608.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 0001076740 |
|---|---|
| Date | Feb 5, 2024 |
| Instrument | 1076740 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001071929 |
|---|---|
| Date | Sep 1, 2023 |
| Instrument | 1071929 |
| Name | KNOCK LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Feb 29, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 00T1031658 |
| Instrument Date | Oct 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2020 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5743 ARNOLD RD DULUTH MN 558039319, DULUTH, MN 55803-9319 |
| Document Number | 00T1031658 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | T1031658 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 4, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 000T985610 |
| Instrument Date | May 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5743 ARNOLD RD DULUTH MN 558039319, DULUTH, MN 55803-9319 |
| Document Number | 000T985610 |
|---|---|
| Date | Jun 5, 2017 |
| Instrument | T985610 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 4, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5743 ARNOLD RD, DULUTH, MN 55803-9319 |
| Document Number | 000T984228 |
| Instrument Date | Apr 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5743 ARNOLD RD DULUTH MN 558039319, DULUTH, MN 55803-9319 |
| Document Number | 000T984228 |
|---|---|
| Date | Apr 24, 2017 |
| Instrument | T984228 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 23, 2037 |
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 | $3,388.00 (+19.97%) Homeowner's exemption | ||
| 2025 | $2,824.00 (-42.34%) Homeowner's exemption | $403,300 (+9.5%) Land $89,100 Building $314,200 | $403,300 (+9.5%) Land $89,100 Building $314,200 |
| 2024 | $368,300 (+4.9%) Land $89,100 Building $279,200 | $368,300 (+4.9%) Land $89,100 Building $279,200 | |
| 2023 | $4,898.00 Homeowner's exemption | ||
| 2022 | $351,100 Land $85,100 Building $266,000 | $351,100 Land $85,100 Building $266,000 |
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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Consolidated Telephone Company Fiber | 1,000 / 1,000 |
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