136 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 136 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,701 sqft · built 1938
Lot Size	0.515 acres (22,470 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (May 2017)
Tax Bill	$4,644 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00810`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00810`
Alternative APN	`1031344`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,701 sqft Gross Area
1st Floor Area	1,288 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Metal
Construction Type	Frame
Lot Area	22,470 sqft (0.515 acres)
Garage Area	1,392 sqft

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Deck Area	50 sqft
Gazebo	150 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1031344
Street Address	136 OAK ST
City	DULUTH
State	MN
Zip	55810-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 4 AND INC LOTS 34 THRU 38 EX PARTTAKEN FOR HWY SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIV
Legal Block	4
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	Individual Name on Record
Mailing Address	136 OAK ST, DULUTH, MN 55810-2347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL CITY CREDIT UNION
May 30, 2017	Warranty Deed, Transfer · Conventional with PMI LAKE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2017 · Amount on Record
Deed Sale	May 30, 2017 · Amount on Record
Prior Sale	Feb 14, 2007 · Amount on Record
Deed Document Number	2017985339
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 24, 2026
Property Address	136 OAK ST, DULUTH, MN 55810-2347
Document Number	0001106336
Instrument Date	Jul 20, 2026
Instrument	20261106336
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 OAK ST, DULUTH, MN 55810-2347

Mortgage

Document Number	0001106336,
Date	Sep 24, 2026
Instrument	20261106336

Lender

Name	CENTRAL CITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2041

Interest

Max Rate	-1%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 30, 2017
Property Address	136 OAK ST, DULUTH, MN 55810-2347
Document Number	000T985339
Instrument Date	May 25, 2017
Instrument	T985339
Transaction Type	Transfer
Record Updated	Jun 22, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
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	136 OAK ST DULUTH MN 558102347, DULUTH, MN 55810-2347

Mortgage

Document Number	T985340
Date	May 30, 2017
Instrument	T985340

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2047

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	$4,644.00 (+16.1%) Homeowner's exemption
2025	$4,000.00 (+6.27%) Homeowner's exemption	$338,700 (+12.19%) Land $35,600 Building $303,100	$338,700 (+12.19%) Land $35,600 Building $303,100
2024	$3,764.00	$301,900 (+27.38%) Land $27,800 Building $274,100	$301,900 (+27.38%) Land $27,800 Building $274,100
2022		$237,000 Land $21,000 Building $216,000	$237,000 Land $21,000 Building $216,000

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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