120 E Oxford St, Duluth, MN 55803 Property Records

St. Louis County property record for 120 E Oxford St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 2,368 sqft · built 1893
Lot Size	0.298 acres (12,986 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (May 2022)
Tax Bill	$6,094 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2450-00310`

Property Details

APN / Parcel Number

Primary APN	`010-2450-00310`
Alternative APN	`1129774`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,368 sqft Gross Area
1st Floor Area	1,397 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	12,986 sqft (0.298 acres)
Garage Area	2,240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	242 sqft
Deck Area	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1129774
Street Address	120 E OXFORD ST
City	DULUTH
State	MN
Zip	55803-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 6 AND 7 SERIAL #
Legal Subdivision	HUNTERS PARK 1ST DIV DULUTH
Legal Block	3
Legal Lot Number	6-7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1011
Census Tract	500

Owner

120 E Oxford St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	120 E OXFORD ST, DULUTH, MN 55803-2322
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2022 · Amount on File
Deed Sale	May 3, 2022 · Amount on File
Prior Sale	Sep 22, 2015 · Amount on File
Deed Document Number	20221442340
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 3, 2022
Property Address	120 E OXFORD ST, DULUTH, MN 55803-2322
Document Number	0001442340
Instrument Date	Apr 22, 2022
Instrument	1442340
Transaction Type	Transfer
Record Updated	Jul 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	120 E OXFORD ST, DULUTH, MN 55803-2322

Mortgage

Document Number	0001442341
Date	May 3, 2022
Instrument	1442341

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 120 E Oxford St was $6,094 with a homeowner's exemption, up 4.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,094.00 (+4.56%) Homeowner's exemption
2025	$5,828.00 (-1.15%) Homeowner's exemption	$459,000 (+6.27%) Land $66,500 Building $392,500	$459,000 (+6.27%) Land $66,500 Building $392,500
2024	$5,896.00	$431,900 Land $62,000 Building $369,900	$431,900 Land $62,000 Building $369,900
2022		$363,800 Land $42,500 Building $321,300	$363,800 Land $42,500 Building $321,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 E Oxford St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 Policies	7 in force
Nearby Flood Claims	2 (1979–1991)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 1991 · 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

Wildfire risk around 120 E Oxford St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20