111 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 111 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 966 sqft · built 1920
Lot Size	0.258 acres (11,250 sqft)
Owner	Company Name on Record
Last Sale	$114,900 (Dec 2018)
Tax Bill	$2,070 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Aug 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00130`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00130`
Alternative APN	`1075939`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	966 sqft Gross Area
1st Floor Area	966 sqft
Basement Area	648 sqft
Finished Basement	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	11,250 sqft (0.258 acres)
Garage Area	720 sqft
Deck Area	128 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1075939
Street Address	111 OAK ST
City	DULUTH
State	MN
Zip	55810-2348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13, 14, 15 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIVISION
Legal Block	1
Legal Lot Number	13-15
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2013
Census Tract	10100

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	Company Name on Record
Mailing Address	111 OAK ST, DULUTH, MN 55810-2348
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Aug 14, 2019	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE
Aug 14, 2019	Deed of Trust, Mortgage · Conventional with PMI NORTH SHORE BK/COMMERCE
Dec 17, 2018	Warranty Deed, Construction Loan · Line of Credit NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Jul 22, 2015 · Amount on Record
Deed Document Number	20181006122
Prior Transfer Date	Jul 10, 2015
Prior Transfer Doc	0000959928
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	111 OAK ST, DULUTH, MN 55810-2348
Document Number	00T1014028
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	111 OAK ST PROCTOR MN 558102348, PROCTOR, MN 55810-2348

Mortgage

Document Number	00T1014028
Date	Aug 21, 2019
Instrument	T1014028

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	111 OAK ST, DULUTH, MN 55810-2348
Document Number	00T1014026
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	111 OAK ST PROCTOR MN 558102348, PROCTOR, MN 55810-2348

Mortgage

Document Number	00T1014026
Date	Aug 21, 2019
Instrument	T1014026

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	111 OAK ST, DULUTH, MN 55810-2348
Document Number	00T1014025
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	111 OAK ST PROCTOR MN 558102348, PROCTOR, MN 55810-2348

Mortgage

Document Number	00T1014025
Date	Aug 21, 2019
Instrument	T1014025

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

December 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 17, 2018
Property Address	111 OAK ST, DULUTH, MN 55810-2348
Document Number	00T1006122
Instrument Date	Dec 12, 2018
Instrument	T1006122
Transaction Type	Construction Loan
Record Updated	Jan 4, 2019
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$379.17
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12 E 4TH ST DULUTH MN 558053895, DULUTH, MN 55805-3895

Mortgage

Document Number	T1006123
Date	Dec 17, 2018
Instrument	T1006123

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816-0450

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 16, 2019

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
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	$2,070.00 (+26.84%) Homeowner's exemption
2025	$1,632.00 (-20.85%) Homeowner's exemption	$220,600 (+18.99%) Land $23,300 Building $197,300	$220,600 (+18.99%) Land $23,300 Building $197,300
2024	$2,062.00	$185,400 (+30.47%) Land $19,100 Building $166,300	$185,400 (+30.47%) Land $19,100 Building $166,300
2022		$142,100 Land $14,400 Building $127,700	$142,100 Land $14,400 Building $127,700

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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