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18 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 18 Oak St, Duluth, MN 55810 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,526 sqft · built 1997
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on File
Last Sale$500 (Jan 2022)
Tax Bill$2,184 (2026)
Deeds & MortgagesOct 2025 Mortgage
Jan 2022 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN185-0070-00520

Property Details

APN / Parcel Number

Primary APN185-0070-00520
Alternative APN
  • 1056943

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories1 Story
Building Area1,526 sqft Gross Area
1st Floor Area1,022 sqft
Basement Area756 sqft
Finished Basement756 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area7,500 sqft (0.172 acres)
Garage Area1,404 sqft

Exterior Amenities

PorchSlab
Porch Area114 sqft
Deck Area18 sqft
Storage Building144 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account Number1056943
Street Address18 OAK ST
CityDULUTH
StateMN
Zip55810-2345
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 12, 13, 14 AND 15, BLOCK 3 SERIAL #
Legal SubdivisionPROCTOR CENTRAL DIVISION
Legal Block3
Legal Lot Number12-14
JurisdictionST LOUIS MN
Township / Civil DivisionPROCTOR
Census Block Group2
Census Block2016
Census Tract10100

Owner

Source: St. Louis County records · APN 185-0070-00520

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 RecordIndividual Name on File
Mailing Address18 OAK ST, DULUTH, MN 55810-2345
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2025Deed of Trust, Mortgage · VA Mortgage
INDEPENDENCE HOME LOANS LLC
Jan 05, 2022Intrafamily Transfer, Transfer · VA Mortgage
NATIONS LENDING CORP
Aug 28, 2018Warranty Deed, Transfer · Conventional with PMI
FRANDSEN BK&TR
Aug 28, 2018Warranty Deed, Transfer · Conventional with PMI
FRANDSEN BK&TR
Jan 06, 2017Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 05, 2022 · Amount on Record
Deed SaleJan 05, 2022 · Amount on Record
Prior SaleAug 28, 2018 · Amount on Record
Deed Document Number20221051843
Prior Transfer DateJul 21, 2021
Prior Transfer Doc0001051843
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address18 OAK ST, DULUTH, MN 55810-2345
Transaction TypeMortgage
Record UpdatedNov 12, 2025
Title CompanyUNISOURCE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001095199
DateOct 15, 2025
Instrument1095199
Lender
NameINDEPENDENCE HOME LOANS LLC
TypeMortgage Company
AddressSCOTTSDALE, AZ 85251
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST LOUIS MN
Recording DateJan 05, 2022
Property Address18 OAK ST, DULUTH, MN 55810-2345
Document Number0001051843
Instrument DateJul 21, 2021
Instrument1051843
Transaction TypeTransfer
Record UpdatedAug 15, 2022
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4927 MATTHEW BLVD, 4927, HERMANTOWN, MN 55811-1412

Transferred To (Grantee/Buyer)

NameVerified Name
Address18 OAK ST, PROCTOR, MN 55810-2345

Mortgage

Document Number0001051844
DateJan 05, 2022
Instrument1051844
Lender
NameNATIONS LENDING CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term355 Months
DueAug 01, 2051

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateAug 28, 2018
Property Address18 OAK ST, DULUTH, MN 55810-2345
Document Number00A1002011
Instrument DateAug 22, 2018
InstrumentA1002011
Transaction TypeTransfer
Record UpdatedNov 23, 2020
Title CompanyNORTH SHORE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$832.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address18 OAK ST PROCTOR MN 558102345, PROCTOR, MN 55810-2345

Mortgage

Document NumberA1002012
DateAug 28, 2018
InstrumentA1002012
Lender
NameFRANDSEN BK&TR
TypeBank
AddressNEW ULM, MN 56073
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 27, 2048

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateAug 28, 2018
Property Address18 OAK ST, DULUTH, MN 55810-2345
Document Number00A1002011
Instrument DateAug 22, 2018
InstrumentA1002011
Transaction TypeTransfer
Record UpdatedSep 12, 2018
Title CompanyNORTH SHORE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$831.60
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address18 OAK ST PROCTOR MN 558102345, PROCTOR, MN 55810-2345

Mortgage

Document NumberA1002012
DateAug 28, 2018
InstrumentA1002012
Lender
NameFRANDSEN BK&TR
TypeBank
AddressNEW ULM, MN 56073
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 27, 2048

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateJan 06, 2017
Property Address18 OAK ST, DULUTH, MN 55810-2345
Document Number000T980653
Instrument DateDec 28, 2016
InstrumentT980653
Transaction TypeTransfer
Record UpdatedJan 17, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$755.50
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address18 OAK ST PROCTOR MN 558102345, PROCTOR, MN 55810-2345

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityProctor City
Unified School DistrictProctor 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.

YearTax BillAssessed ValueAssessed Market Value
2026$2,184.00 (-15.55%) Homeowner's exemption
2025$2,586.00 (-36.96%) Homeowner's exemption$301,000 (-9.56%) Land $27,500 Building $273,500$301,000 (-9.56%) Land $27,500 Building $273,500
2024$4,102.00$332,800 (+30.41%) Land $22,400 Building $310,400$332,800 (+30.41%) Land $22,400 Building $310,400
2022$255,200 Land $16,900 Building $238,300$255,200 Land $16,900 Building $238,300

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims1 (1979)
Most Recent ClaimMay 1979, rainfall accumulation

Wildfire

Wildfire RiskLow
above 3% of the US · above 11% of Minnesota
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

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