St. Louis County property record for 916 W Arrowhead Rd, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,489 sqft · built 1950 |
| Lot Size | 0.285 acres (12,451 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Jun 2023) |
| Tax Bill | $4,446 (2026) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Feb 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4345-00220 |
| Primary APN | 010-4345-00220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,489 sqft Gross Area |
| 1st Floor Area | 1,489 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 12,451 sqft (0.285 acres) |
| Garage Area | 384 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 631 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1150570 |
|---|---|
| Street Address | 916 W ARROWHEAD RD |
| City | DULUTH |
| State | MN |
| Zip | 55811-2210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0022 SERIAL # |
| Legal Subdivision | UNIVERSITY HEIGHTS ADDITION |
| Legal Lot Number | 22 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 15700 |
Source: St. Louis County records · APN 010-4345-00220
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 | 916 W ARROWHEAD RD, DULUTH, MN 55811-2210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Feb 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE |
| Feb 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE |
| Apr 06, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Jun 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST |
| Jan 09, 2020 | Warranty Deed, Construction Loan · Construction Mortgage NATIONAL BK/CMRC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 29, 2023 · Amount on Record |
| Deed Sale | Jun 29, 2023 · Amount on Record |
| Prior Sale | Apr 06, 2022 · Amount on Record |
| Deed Document Number | 20231468913 |
| Prior Transfer Date | Mar 30, 2022 |
| Prior Transfer Doc | 0001440558 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 29, 2023 |
| Property Address | 916 W ARROWHEAD RD, DULUTH, MN 55811-2210 |
| Document Number | 0001468913 |
| Instrument Date | May 31, 2023 |
| Instrument | 1468913 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Title Company | BURNETT TITLE, BURNET TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $808.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 916 W ARROWHEAD RD, DULUTH, MN 55811-2210 |
| Document Number | 0001468914 |
|---|---|
| Date | Jun 29, 2023 |
| Instrument | 1468914 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 916 W ARROWHEAD RD, DULUTH, MN 55811-2210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001404518 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 1404518 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 916 W ARROWHEAD RD, DULUTH, MN 55811-2210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001404907 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 1404907 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 06, 2022 |
| Property Address | 916 W ARROWHEAD RD, DULUTH, MN 55811-2210 |
| Document Number | 0001440558 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 1440558 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3616 EDEN LN, DULUTH, MN 55803-9708 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 25, 2021 |
| Property Address | 916 W ARROWHEAD RD, DULUTH, MN 55811-2210 |
| Document Number | 0001417582 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 1417582 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $684.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3616 EDEN LN, DULUTH, MN 55803-9708 |
| Document Number | 0001417583 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 1417583 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.15% |
| Type Change Date | Sep 01, 2026 |
| Change Frequency | 3 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.1% |
| Index | 3-Year CMT |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 09, 2020 |
| Property Address | 916 W ARROWHEAD RD, DULUTH, MN 55811-2210 |
| Document Number | 00A1371009 |
| Instrument Date | Jan 03, 2020 |
| Instrument | A1371009 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 14, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $314.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 916 W ARROWHEAD RD DULUTH MN 558112210, DULUTH, MN 55811-2210 |
| Document Number | A1371010 |
|---|---|
| Date | Jan 09, 2020 |
| Instrument | A1371010 |
| Name | NATIONAL BK/CMRC |
|---|---|
| Address | SUPERIOR, WI 54880 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 08, 2021 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth 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 | $4,446.00 (+16.82%) Homeowner's exemption | ||
| 2025 | $3,806.00 (+8.37%) Homeowner's exemption | $345,400 (+17.16%) Land $40,400 Building $305,000 | $345,400 (+17.16%) Land $40,400 Building $305,000 |
| 2024 | $3,512.00 (-3.78%) | $294,800 (+21.47%) Land $37,400 Building $257,400 | $294,800 (+21.47%) Land $37,400 Building $257,400 |
| 2023 | $3,650.00 | ||
| 2022 | $242,700 (+39.72%) Land $44,000 Building $198,700 | $242,700 (+39.72%) Land $44,000 Building $198,700 | |
| 2021 | $173,700 Land $38,500 Building $135,200 | $173,700 Land $38,500 Building $135,200 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
Based on FCC filings for 100 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them. The full violation and enforcement history is in the system's EPA record.
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