121 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 121 Oak St, Duluth, MN 55810 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,136 sqft · built 1920
Lot Size	0.215 acres (9,375 sqft)
Owner	Individual Name on File
Last Sale	$221,000 (Apr 2026)
Tax Bill	$2,994 (2026)
Deeds & Mortgages	May 2025 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00080`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00080`
Alternative APNs	`1015069` `1093968` `1196382`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,136 sqft Gross Area
1st Floor Area	927 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,375 sqft (0.215 acres)
Garage Area	528 sqft
Deck Area	30 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1196382
Street Address	121 OAK ST
City	DULUTH
State	MN
Zip	55810-2348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8 AND 9 AND WLY 15 FT OF LOT 10 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIVISION
Legal Block	1
Legal Lot Number	8-10
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2013
Census Tract	10100

Owner

Source: St. Louis County records · APN 185-0070-00080

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	121 OAK ST, DULUTH, MN 55810-2348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2025	Deed of Trust, Mortgage TAYLOR INVESTMENT COMPANY LLC
Apr 20, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Dec 19, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 20, 2026 · Amount on Record
Deed Sale	Apr 20, 2026 · Amount on Record
Prior Sale	Aug 22, 2002 · Amount on Record
Deed Document Number	20261100659
Prior Transfer Date	Aug 10, 2016
Prior Transfer Doc	0000975048
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	121 OAK ST, DULUTH, MN 55810-2348
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001090637
Date	May 30, 2025
Instrument	1090637

Lender

Name	TAYLOR INVESTMENT COMPANY LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	20 Months
Due	Dec 31, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 20, 2026
Property Address	121 OAK ST, DULUTH, MN 55810-2348
Document Number	0001100659
Instrument Date	Mar 19, 2026
Instrument	2026.1100659
Transaction Type	Transfer
Record Updated	May 04, 2026
Title Company	LENDSERV NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$73,659.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 OAK ST, DULUTH, MN 55810-2348

Mortgage

Document Number	0001100659,
Date	Apr 20, 2026
Instrument	2026.1100659

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 19, 2025
Property Address	121 OAK ST, DULUTH, MN 55810-2348
Document Number	0001097468
Instrument Date	Aug 01, 2025
Instrument	1097468
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 NW 8TH AVE STE B, B, GRAND RAPIDS, MN 55744-2359
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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	$2,994.00 (+57.08%)
2025	$1,906.00 (+27.58%) Homeowner's exemption	$169,100 (+17.27%) Land $20,500 Building $148,600	$169,100 (+17.27%) Land $20,500 Building $148,600
2024	$1,494.00	$144,200 (+30.5%) Land $17,500 Building $126,700	$144,200 (+30.5%) Land $17,500 Building $126,700
2022		$110,500 Land $13,200 Building $97,300	$110,500 Land $13,200 Building $97,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370101002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (1979)
Most Recent Claim	May 1979, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 441 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 at this address: Mediacom Communications, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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