St. Louis County property record for 5825 Arnold Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.25 ba · 1,836 sqft · built 1978 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,504 (2026) |
| Deeds & Mortgages | Oct 2025 Transfer Mar 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0010-00440 |
| Primary APN | 520-0010-00440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,836 sqft Gross Area |
| 1st Floor Area | 1,535 sqft |
| Basement Area | 793 sqft |
| Finished Basement | 793 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Custom Design |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 871,200 sqft (20 acres) |
| Garage Area | 1,112 sqft |
| Deck Area | 25 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Account Number | 1189090 |
|---|---|
| Street Address | 5825 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | SE1/4 OF NE1/4 EX N1/2 OF N1/2 AND EX S1/2 OFS1/2 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 records · APN 520-0010-00440
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 | 5825 ARNOLD RD, DULUTH, MN 55803-9320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 07, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Mar 30, 2021 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU |
| Aug 26, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Oct 07, 2025 |
| Transfer Doc | 0001094955 |
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 07, 2025 |
| Property Address | 5825 ARNOLD RD, DULUTH, MN 55803-9320 |
| Document Number | 0001094955 |
| Instrument Date | Oct 02, 2025 |
| Instrument | 1094955 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5825 ARNOLD RD, DULUTH, MN 55803-9320 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5825 ARNOLD RD, DULUTH, MN 55803-9320 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001038496 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 1038496 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5825 ARNOLD RD, DULUTH, MN 55803-9320 |
| Document Number | 00T1015247 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 01, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 825 ARNOLD RD DULUTH MN 55803, DULUTH, MN 55803 |
| Document Number | 00T1015247 |
|---|---|
| Date | Sep 20, 2019 |
| Instrument | T1015247 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 19, 2024 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,504.00 (+3.59%) Homeowner's exemption | ||
| 2025 | $4,348.00 (-2.9%) Homeowner's exemption | $354,600 (-) Land $102,500 Building $252,100 | $354,600 (-) Land $102,500 Building $252,100 |
| 2024 | $4,478.00 | $354,600 (+6.14%) Land $102,500 Building $252,100 | $354,600 (+6.14%) Land $102,500 Building $252,100 |
| 2022 | $334,100 Land $98,000 Building $236,100 | $334,100 Land $98,000 Building $236,100 |
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 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 13 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Consolidated Telephone Company Fiber | 1,000 / 1,000 |
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