19 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 19 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,034 sqft · built 1925
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Mar 2024)
Tax Bill	$2,182 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00310`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00310`
Alternative APN	`950561`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,034 sqft Gross Area
1st Floor Area	638 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,750 sqft (0.086 acres)
Garage Area	308 sqft

Exterior Amenities

Porch	Porch
Porch Area	63 sqft
Deck Area	Deck Area
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	950561
Street Address	19 OAK ST
City	DULUTH
State	MN
Zip	55810-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLOCK 2 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIVISION
Legal Block	2
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2012
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	19 OAK ST, DULUTH, MN 55810-2346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 7, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2024 · Amount on Record
Deed Sale	Mar 19, 2024 · Amount on Record
Prior Sale	May 9, 2013 · Amount on Record
Deed Document Number	20241077804
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	19 OAK ST, DULUTH, MN 55810-2346
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001094427
Date	Sep 22, 2025
Instrument	1094427

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2040

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	19 OAK ST, DULUTH, MN 55810-2346
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001075039
Date	Dec 7, 2023
Instrument	1075039

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2038

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	$2,182.00 (+15.57%) Homeowner's exemption
2025	$1,888.00 (+7.03%) Homeowner's exemption	$183,000 (+12.62%) Land $8,200 Building $174,800	$183,000 (+12.62%) Land $8,200 Building $174,800
2024	$1,764.00	$162,500 (+30.21%) Land $8,200 Building $154,300	$162,500 (+30.21%) Land $8,200 Building $154,300
2022		$124,800 Land $6,200 Building $118,600	$124,800 Land $6,200 Building $118,600

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	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.

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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