140 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 140 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1920
Lot Size	0.243 acres (10,623 sqft)
Owner	Individual Name on Record
Tax Bill	$2,716 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00790`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00790`
Alternative APNs	`1146105` `13255`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,260 sqft Gross Area
1st Floor Area	720 sqft
Basement Area	540 sqft
Finished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Metal
Construction Type	Frame
Lot Area	10,623 sqft (0.243 acres)
Garage Area	720 sqft

Exterior Amenities

Porch	Porch
Porch Area	210 sqft
Deck Area	184 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1146105
Street Address	140 OAK ST
City	DULUTH
State	MN
Zip	55810-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIV
Legal Block	4
Legal Lot Number	1-2
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	140 OAK ST, DULUTH, MN 55810-2347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Mar 22, 2023	Affidavit of Death of Joint Tenant, Transfer
Mar 22, 2023	Transfer on Death Deed, Transfer
Aug 8, 2022	Deed of Trust, Mortgage NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Sep 8, 2016	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
May 22, 2009	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 21, 2023
Transfer Doc	0001066897
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 8, 2026
Property Address	140 OAK ST, DULUTH, MN 55810-2347
Document Number	0001102224
Instrument Date	May 22, 2026
Instrument	20261102224
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AFFINITY PLUS TITLE COMPANY, AFFINITY PLUS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 OAK ST, DULUTH, MN 55810-2347

Mortgage

Document Number	0001102224,
Date	Jun 8, 2026
Instrument	20261102224

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.58%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Mar 22, 2023
Property Address	140 OAK ST, DULUTH, MN 55810-2347
Document Number	0001066896
Instrument Date	Mar 21, 2023
Instrument	1066896
Transaction Type	Transfer
Record Updated	May 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 OAK ST, PROCTOR, MN 55810-2347

March 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 22, 2023
Property Address	140 OAK ST, DULUTH, MN 55810-2347
Document Number	0001066897
Instrument Date	Mar 21, 2023
Instrument	1066897
Transaction Type	Transfer
Record Updated	May 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 OAK ST, PROCTOR, MN 55810-2347

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	140 OAK ST, DULUTH, MN 55810-2347
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001059759
Date	Aug 8, 2022
Instrument	1059759

Lender

Name	NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Type	Government Agency
Address	DULUTH, MN 55805

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2032

Interest

Rate	4.37%

September 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	140 OAK ST, DULUTH, MN 55810-2347
Document Number	000T986976
Instrument Date	Sep 8, 2016
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	140 OAK ST DULUTH MN 558102347, DULUTH, MN 55810-2347

Mortgage

Document Number	000T986976
Date	Jul 10, 2017
Instrument	T986976

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	140 OAK ST, DULUTH, MN 55810-2347
Document Number	000T984931
Instrument Date	May 22, 2009
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	140 OAK ST DULUTH MN 558102347, DULUTH, MN 55810-2347

Mortgage

Document Number	000T984931
Date	May 16, 2017
Instrument	T984931

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50306-5137

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	264 Months
Due	May 15, 2039

Interest

Rate	5%

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	$2,716.00 (+24.13%) Homeowner's exemption
2025	$2,188.00 (+8.32%) Homeowner's exemption	$213,700 (+17.22%) Land $22,400 Building $191,300	$213,700 (+17.22%) Land $22,400 Building $191,300
2024	$2,020.00	$182,300 (+30.4%) Land $18,300 Building $164,000	$182,300 (+30.4%) Land $18,300 Building $164,000
2022		$139,800 Land $13,800 Building $126,000	$139,800 Land $13,800 Building $126,000

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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