112 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 112 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 1930
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$191,000 (Jul 2020)
Tax Bill	$3,066 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00920`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00920`
Alternative APN	`1092565`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,264 sqft Gross Area
1st Floor Area	704 sqft
Basement Area	176 sqft
Finished Basement	176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,500 sqft (0.172 acres)
Garage Area	576 sqft
Deck Area	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1092565
Street Address	112 OAK ST
City	DULUTH
State	MN
Zip	55810-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 14 AND 15 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIVISION
Legal Block	4
Legal Lot Number	14-15
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 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	112 OAK ST, DULUTH, MN 55810-2347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2020 · Amount on Record
Deed Sale	Jul 16, 2020 · Amount on Record
Prior Sale	May 7, 2015 · Amount on Record
Deed Document Number	20201025971
Prior Transfer Date	May 21, 2004
Prior Transfer Doc	0000779256
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 16, 2020
Property Address	112 OAK ST, DULUTH, MN 55810-2347
Document Number	00T1025971
Instrument Date	Jun 23, 2020
Instrument	T1025971
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	112 OAK ST PROCTOR MN 558102347, PROCTOR, MN 55810-2347

Mortgage

Document Number	T1025972
Date	Jul 16, 2020
Instrument	T1025972

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	$3,066.00 (+3.79%) Homeowner's exemption
2025	$2,954.00 (+8.28%) Homeowner's exemption	$236,500 (+1.55%) Land $16,500 Building $220,000	$236,500 (+1.55%) Land $16,500 Building $220,000
2024	$2,728.00	$232,900 (+30.33%) Land $15,800 Building $217,100	$232,900 (+30.33%) Land $15,800 Building $217,100
2022		$178,700 Land $11,900 Building $166,800	$178,700 Land $11,900 Building $166,800

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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