5859 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5859 Arnold Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,752 sqft · built 1987
Lot Size	19.8 acres (863,795 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Sep 2022)
Tax Bill	$6,208 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Sep 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0010-00395`

Property Details

APN / Parcel Number

Primary APN	`520-0010-00395`
Alternative APNs	`1136966` `45698`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,752 sqft Gross Area
1st Floor Area	1,752 sqft
Basement Area	799 sqft
Finished Basement	799 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Lot Area	863,795 sqft (19.8 acres)
Garage Area	2,064 sqft

Exterior Amenities

Deck Area	36 sqft
Storage Building	160 sqft
Pole Barn	1,944 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1136966
Street Address	5859 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	S 1/2 OF NE 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

Owner

Source: St. Louis County records · APN 520-0010-00395

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	5859 ARNOLD RD, DULUTH, MN 55803-9320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Warranty Deed, Transfer · Conventional Mortgage WESTERN NATIONAL BANK
Sep 29, 2020	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK
Jul 08, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 15, 2022 · Amount on Record
Deed Sale	Sep 15, 2022 · Amount on Record
Deed Document Number	20221452092
Prior Transfer Date	Jul 19, 2001
Prior Transfer Doc	0000705282
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 15, 2022
Property Address	5859 ARNOLD RD, DULUTH, MN 55803-9320
Document Number	0001452092
Instrument Date	Sep 07, 2022
Instrument	1452092
Transaction Type	Transfer
Record Updated	Nov 01, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,897.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5859 ARNOLD RD, DULUTH, MN 55803-9320

Mortgage

Document Number	0001452093
Date	Sep 15, 2022
Instrument	1452093

Lender

Name	WESTERN NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 07, 2052

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	5859 ARNOLD RD, DULUTH, MN 55803-9320
Document Number	00A1393725
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5859 ARNOLD RD DULUTH MN 558039320, DULUTH, MN 55803-9320

Mortgage

Document Number	00A1393725
Date	Oct 21, 2020
Instrument	A1393725

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5859 ARNOLD RD, DULUTH, MN 55803-9320
Document Number	00A1359137
Instrument Date	Jul 08, 2019
Transaction Type	Mortgage
Record Updated	Aug 05, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5859 ARNOLD RD DULUTH MN 558039320, DULUTH, MN 55803-9320

Mortgage

Document Number	00A1359137
Date	Jul 23, 2019
Instrument	A1359137

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

Interest

Rate Type	Adjustable Rate

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	$6,208.00 (+3.54%) Homeowner's exemption
2025	$5,996.00 (-6.31%) Homeowner's exemption	$470,000 (-) Land $108,100 Building $361,900	$470,000 (-) Land $108,100 Building $361,900
2024	$6,400.00	$470,000 (+3.98%) Land $108,100 Building $361,900	$470,000 (+3.98%) Land $108,100 Building $361,900
2022		$452,000 Land $103,200 Building $348,800	$452,000 Land $103,200 Building $348,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Consolidated Telephone Company Fiber	1,000 / 1,000

Based on FCC filings for 13 locations within half a mile of this property.

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