106 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 106 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 1955
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,108 (2026)
Deeds & Mortgages	Dec 2025 Transfer Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00940`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00940`
Alternative APNs	`1192049` `31493`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,152 sqft Gross Area
1st Floor Area	1,152 sqft
Basement Area	864 sqft
Finished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,500 sqft (0.172 acres)
Garage Area	1,740 sqft
Deck Area	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1192049
Street Address	106 OAK ST
City	DULUTH
State	MN
Zip	55810-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 16 AND 17 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIV
Legal Block	4
Legal Lot Number	16-17
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2015
Census Tract	10100

Owner

Source: St. Louis County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	106 OAK ST, DULUTH, MN 55810-2347
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Intrafamily Transfer, Transfer
Apr 6, 2022	Deed of Trust, Mortgage PROCTOR FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 1, 2025
Transfer Doc	0001096992
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Dec 9, 2025
Property Address	106 OAK ST, DULUTH, MN 55810-2347
Document Number	0001096992
Instrument Date	Dec 1, 2025
Instrument	1096992
Transaction Type	Transfer
Record Updated	Jan 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	106 OAK ST, PROCTOR, MN 55810-2347

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	106 OAK ST, DULUTH, MN 55810-2347
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 OAK ST, PROCTOR, MN 55810-2347

Mortgage

Document Number	0001055221
Date	Apr 6, 2022
Instrument	1055221

Lender

Name	PROCTOR FEDERAL CU
Type	Credit Union
Address	DULUTH, MN 55810

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Mar 21, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Proctor City
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,108.00 (+7.99%) Homeowner's exemption
2025	$3,804.00 (+8.5%) Homeowner's exemption	$304,000 (+5.19%) Land $16,500 Building $287,500	$304,000 (+5.19%) Land $16,500 Building $287,500
2024	$3,506.00	$289,000 (+30.24%) Land $15,800 Building $273,200	$289,000 (+30.24%) Land $15,800 Building $273,200
2022		$221,900 Land $11,900 Building $210,000	$221,900 Land $11,900 Building $210,000

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 Claims	1 (1979)
Most Recent Claim	May 1979 · rainfall accumulation

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	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Proctor serves 3,099 people · EPA ID MN1690042
Water Source	Purchased surface water from Duluth
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, T-Mobile.

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