St. Louis County property record for 15 Oak St, Duluth, MN 55810
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 980 sqft · built 1930 |
| Lot Size | 0.086 acres (3,750 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,034 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 185-0070-00320 |
| Primary APN | 185-0070-00320 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 980 sqft Gross Area |
| 1st Floor Area | 812 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 3,750 sqft (0.086 acres) |
| Garage Area | 576 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 554822 |
|---|---|
| Street Address | 15 OAK ST |
| City | DULUTH |
| State | MN |
| Zip | 55810-2346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 12 AND 13, BLOCK 2 SERIAL # |
| Legal Subdivision | PROCTOR CENTRAL DIV |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | PROCTOR |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 10100 |
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 | 15 OAK ST, DULUTH, MN 55810-2346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 9, 2026 |
| Property Address | 15 OAK ST, DULUTH, MN 55810-2346 |
| Document Number | 0001102284 |
| Instrument Date | May 27, 2026 |
| Instrument | 20261102284 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3506 AKALA DR, KIHEI, HI 96753-9437 |
| Document Number | 0001102284, |
|---|---|
| Date | Jun 9, 2026 |
| Instrument | 20261102284 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.64% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Proctor City |
| Unified School District | Proctor Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,034.00 (+23.57%) Homeowner's exemption | ||
| 2025 | $1,646.00 (+13.83%) Homeowner's exemption | $173,600 (+18.42%) Land $16,500 Building $157,100 | $173,600 (+18.42%) Land $16,500 Building $157,100 |
| 2024 | $1,446.00 | $146,600 (+37.52%) Land $15,800 Building $130,800 | $146,600 (+37.52%) Land $15,800 Building $130,800 |
| 2022 | $106,600 Land $6,200 Building $100,400 | $106,600 Land $6,200 Building $100,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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