6404 Arnold Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 6404 Arnold Rd, Duluth, MN 55803 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2.25 Baths
Year Built	Built 2000
Square Footage	2,604 sqft Gross Area
Lot Size	811,958 sqft (18.6 acres)
Occupancy	Owner Occupied
Last Sale	$488,000 (2019)
Tax Bill	$8,426.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`375-0010-04452`
Alternative APN	`1074438`

Interior

Bedrooms	2 Beds
Full Baths	2.25 Baths
Partial Baths	1 Partial Baths
Total Rooms	2 Rooms
Building Area	2,604 sqft Gross Area
1st Floor	2,028 sqft 1st Floor
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	811,958 sqft (18.6 acres)
Garage Area	1,040 sqft Garage

Exterior Amenities

Pool Type	Spa/Hot Tub (Only) Pool Type
Deck Area	120 sqft Deck
Porch Area	140 sqft Porch
Sauna	Sauna
Pole Structure	1,620 sqft Pole Structure
Storage Building	80 sqft Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Propane Heating Fuel

Location & Zoning

Account Number	1074438
Street Address	6404 ARNOLD RD
City	DULUTH
State	MN
Zip	55803-9337
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NW1/4 OF NE1/4 OF SW1/4 AND N1/2 OF NW1/4 OFSW1/4, EXCEPT THE WESTERLY 687.30 FEET OFN1/2 OF N1/2 OF NW1/4 OF SW1/4 THAT
Legal Range	14W
Legal Township	52N
Legal Section	23
Legal Subdivision	GNESEN TOWN OF
Jurisdiction	ST LOUIS MN
Minor Civil Division	GNESEN
Census Blockgroup	2
Census Block	2012
Census Tract	10601

Owner

Source: St. Louis County records · APN 375-0010-04452

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 Trust Names on File
Mailing Address	6404 ARNOLD RD, DULUTH, MN 55803-9337
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Owner is a Trust, Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Intrafamily Transfer, Transfer
Sep 08, 2020	Loan Modification, Mortgage WESTERN NAT'L BK
Jul 24, 2019	Warranty Deed, Transfer · Conventional Mortgage WESTERN NAT'L BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2019 · Amount on Record
Deed Sale	Jul 24, 2019 · Amount on Record
Prior Sale	Jan 02, 2014 · Amount on Record
Deed Doc Number	20191359211
Last Transfer Date	Jun 28, 2023
Transfer Doc	0001470696
Record Refreshed	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jul 25, 2023
Property Address	6404 ARNOLD RD, DULUTH, MN 55803-9337
Document Number	0001470696
Instrument Date	Jun 28, 2023
Instrument	1470696
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6404 ARNOLD RD, DULUTH, MN 55803-9337

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	6404 ARNOLD RD, DULUTH, MN 55803-9337
Document Number	00A1394656
Instrument Date	Sep 08, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6404 ARNOLD RD DULUTH MN 558039337, DULUTH, MN 55803-9337

Mortgage

Document Number	00A1394656
Date	Oct 30, 2020
Instrument	A1394656

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55816-0050

Agreement

Term	60 Months
Due	Oct 29, 2025

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 24, 2019
Property Address	6404 ARNOLD RD, DULUTH, MN 55803-9337
Document Number	00A1359211
Instrument Date	Jul 15, 2019
Instrument	A1359211
Transaction Type	Transfer
Record Updated	Aug 06, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.40
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6404 ARNOLD RD DULUTH MN 558039337, DULUTH, MN 55803-9337

Mortgage

Document Number	A1359213
Date	Jul 24, 2019
Instrument	A1359213

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 23, 2034

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
County Subdivision	Gnesen Township
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	$8,426.00 (+6.71%) Homeowner's exemption
2025	$7,896.00 (+12.38%) Homeowner's exemption	$731,100 (+2.87%) Land $127,900 Building $603,200	$731,100 (+2.87%) Land $127,900 Building $603,200
2024	$7,026.00 (+10.16%)	$710,700 (+30.38%) Land $117,100 Building $593,600	$710,700 (+30.38%) Land $117,100 Building $593,600
2023	$6,378.00 Homeowner's exemption
2022		$545,100 (+13.75%) Land $106,500 Building $438,600	$545,100 (+13.75%) Land $106,500 Building $438,600
2021		$479,200 Land $96,800 Building $382,400	$479,200 Land $96,800 Building $382,400

Flood & Wildfire

6404 Arnold Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · St. Louis County (27137C), updated March 24, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 39th in Minnesota
Wildfire Likelihood	Low — about 1 in 9,091 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

6404 Arnold Rd, Duluth, MN 55803 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2023: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2020: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Arnold Rd

Nearby Streets

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