6365 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6365 Arnold Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,196 sqft · built 1977
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Nov 2014)
Tax Bill	$4,044 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`375-0010-04310`

Property Details

APN / Parcel Number

Primary APN	`375-0010-04310`
Alternative APN	`979350`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,196 sqft Gross Area
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft
Finished Basement	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	1,488 sqft
Deck Area	180 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	979350
Street Address	6365 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	SE1/4 OF NE1/4 OF SE1/4 SERIAL #
Legal Range	14W
Legal Township	52N
Legal Section	22
Legal Subdivision	GNESEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2013
Census Tract	10601

Owner

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	Individual Name on Record
Mailing Address	6365 ARNOLD RD, DULUTH, MN 55803-9336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Line of Credit HERMANTOWN FCU
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRICITY CU
Dec 6, 2019	Deed of Trust, Mortgage · Line of Credit CENTRICITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2014 · Amount on Record
Deed Sale	Nov 10, 2014 · Amount on Record
Prior Sale	Jun 14, 2006 · Amount on Record
Deed Document Number	20141249502
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6365 ARNOLD RD, DULUTH, MN 55803-9336
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6365 ARNOLD RD, DULUTH, MN 55803-9336

Mortgage

Document Number	0001524488
Date	Dec 18, 2025
Instrument	1524488

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6365 ARNOLD RD, DULUTH, MN 55803-9336
Document Number	00A1385413
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	SERVION TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6365 ARNOLD RD DULUTH MN 558039336, DULUTH, MN 55803-9336

Mortgage

Document Number	00A1385413
Date	Jul 20, 2020
Instrument	A1385413

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6365 ARNOLD RD, DULUTH, MN 55803-9336
Document Number	00A1369522
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6365 ARNOLD RD DULUTH MN 558039336, DULUTH, MN 55803-9336

Mortgage

Document Number	00A1369522
Date	Dec 13, 2019
Instrument	A1369522

Lender

Name	CENTRICITY CU
Address	HERMANTOWN, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 12, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Gnesen Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,044.00 (+6.42%) Homeowner's exemption
2025	$3,800.00 (+7.1%) Homeowner's exemption	$482,600 (+28.8%) Land $105,900 Building $376,700	$482,600 (+28.8%) Land $105,900 Building $376,700
2024	$3,548.00	$374,700 (+26.29%) Land $98,700 Building $276,000	$374,700 (+26.29%) Land $98,700 Building $276,000
2022		$296,700 Land $92,800 Building $203,900	$296,700 Land $92,800 Building $203,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	4 in force

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.

Wildfire

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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