5812 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5812 Arnold Rd, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,296 sqft · built 1974
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Jul 2017)
Tax Bill	$5,404 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`520-0010-00240`

Property Details

APN / Parcel Number

Primary APN	`520-0010-00240`
Alternative APN	`1034104`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,296 sqft Gross Area
1st Floor Area	1,296 sqft
Basement Area	624 sqft
Finished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	871,200 sqft (20 acres)
Garage Area	1,200 sqft

Exterior Amenities

Porch	Slab
Porch Area	532 sqft
Deck Area	154 sqft
Storage Building	360 sqft
Pole Barn	2,520 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1034104
Street Address	5812 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 OF SW1/4 OF NW1/4 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

Owner

Source: St. Louis County records · APN 520-0010-00240

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	2 Individual Names on File
Mailing Address	5812 ARNOLD RD, DULUTH, MN 55803-9320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 07, 2022	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Aug 20, 2021	Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE
May 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BK
Jul 13, 2017	Warranty Deed, Transfer · VA Mortgage REPUBLIC BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 13, 2017 · Amount on Record
Deed Sale	Jul 13, 2017 · Amount on Record
Deed Document Number	20171313068
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5812 ARNOLD RD, DULUTH, MN 55803-9320
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001434741
Date	Jan 07, 2022
Instrument	1434741

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5812 ARNOLD RD, DULUTH, MN 55803-9320
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001422399
Date	Aug 20, 2021
Instrument	1422399

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 09, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5812 ARNOLD RD, DULUTH, MN 55803-9320
Document Number	00A1355522
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	812 ARNOLD RD DULUTH MN 55803, DULUTH, MN 55803

Mortgage

Document Number	00A1355522
Date	May 29, 2019
Instrument	A1355522

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 28, 2024

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 13, 2017
Property Address	5812 ARNOLD RD, DULUTH, MN 55803-9320
Document Number	00A1313068
Instrument Date	Jul 11, 2017
Instrument	A1313068
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5812 ARNOLD RD DULUTH MN 558039320, DULUTH, MN 55803-9320

Mortgage

Document Number	A1313069
Date	Jul 13, 2017
Instrument	A1313069

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2047

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	$5,404.00 (+3.6%) Homeowner's exemption
2025	$5,216.00 (+0.04%) Homeowner's exemption	$417,800 (-) Land $105,100 Building $312,700	$417,800 (-) Land $105,100 Building $312,700
2024	$5,214.00	$417,800 (+10.27%) Land $105,100 Building $312,700	$417,800 (+10.27%) Land $105,100 Building $312,700
2022		$378,900 Land $100,300 Building $278,600	$378,900 Land $100,300 Building $278,600

Flood & Wildfire

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Consolidated Telephone Company	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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