St. Louis County property record for 5845 Arnold Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,008 sqft · built 1977 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $417,500 (Mar 2025) |
| Tax Bill | $3,972 (2026) |
| Deeds & Mortgages | Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0010-00442 |
| Primary APN | 520-0010-00442 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Gross Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 828 sqft |
| Finished Basement | 828 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Mixed |
| Garage Area | 2,692 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 27 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1180569 |
|---|---|
| Street Address | 5845 ARNOLD RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9320 |
| 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 NE 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 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5845 ARNOLD RD, DULUTH, MN 55803-9320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2025 · Amount on Record |
| Deed Sale | Mar 26, 2025 · Amount on Record |
| Prior Sale | Aug 7, 2012 · Amount on Record |
| Deed Document Number | 20251088635 |
| Prior Transfer Date | Aug 31, 2009 |
| Prior Transfer Doc | 0000874278 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5845 ARNOLD RD, DULUTH, MN 55803-9320 |
| Document Number | 00T1026244 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5845 ARNOLD RD DULUTH MN 558039320, DULUTH, MN 55803-9320 |
| Document Number | 00T1026244 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | T1026244 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 21, 2030 |
| 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 | $3,972.00 (+3.55%) Homeowner's exemption | ||
| 2025 | $3,836.00 (-5.98%) Homeowner's exemption | $383,300 (+22.03%) Land $86,700 Building $296,600 | $383,300 (+22.03%) Land $86,700 Building $296,600 |
| 2024 | $4,080.00 | $314,100 (+4.8%) Land $86,700 Building $227,400 | $314,100 (+4.8%) Land $86,700 Building $227,400 |
| 2022 | $299,700 Land $82,900 Building $216,800 | $299,700 Land $82,900 Building $216,800 |
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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
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