21 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 21 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1930
Lot Size	0.114 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Apr 2025)
Tax Bill	$1,818 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00290`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00290`
Alternative APNs	`1036487` `1192499` `961822`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	924 sqft Gross Area
1st Floor Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,000 sqft (0.114 acres)
Garage Area	576 sqft
Deck Area	75 sqft
Patio Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1192499
Street Address	21 OAK ST
City	DULUTH
State	MN
Zip	55810-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 10 FT OF LOT 9 AND ALL OF LOT 10 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIV
Legal Block	2
Legal Lot Number	9-10
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	Company Name on Record
Mailing Address	21 OAK ST, DULUTH, MN 55810-2346
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Stand-Alone First Mortgage NORTH SHORE BANK OF COMMERCE
Dec 22, 2025	Lease, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROCTOR FCU
Apr 1, 2019	Quit Claim Deed, Transfer OTHER
Apr 13, 2018	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BK/COMMERCE
Aug 22, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2025 · Amount on Record
Deed Sale	Apr 15, 2025 · Amount on Record
Prior Sale	Jun 12, 2015 · Amount on Record
Deed Document Number	20251089223
Prior Transfer Date	Mar 29, 2019
Prior Transfer Doc	0001009019
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	21 OAK ST, DULUTH, MN 55810-2346
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	ARROW ABSTRACT, ARROWHEAD ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001097510
Date	Dec 22, 2025
Instrument	1097510

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2025: Lease, Transfer

Document Type	Lease
Jurisdiction	ST LOUIS MN
Recording Date	Dec 22, 2025
Property Address	21 OAK ST, DULUTH, MN 55810-2346
Document Number	0001097508
Instrument Date	Dec 10, 2025
Instrument	1097508
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	ARROWHEAD ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 E 4TH ST, DULUTH, MN 55805-3895

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 OAK ST, PROCTOR, MN 55810-2346

Mortgage

Document Number	0001097509
Date	Dec 22, 2025
Instrument	1097509

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	21 OAK ST, DULUTH, MN 55810-2346
Document Number	00T1016796
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	21 OAK ST PROCTOR MN 558102346, PROCTOR, MN 55810-2346

Mortgage

Document Number	00T1016796
Date	Oct 28, 2019
Instrument	T1016796

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 27, 2029

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 1, 2019
Property Address	21 OAK ST, DULUTH, MN 55810-2346
Document Number	0001009019
Instrument Date	Mar 29, 2019
Instrument	1009019
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	21 OAK ST PROCTOR MN 558102346, PROCTOR, MN 55810-2346

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	21 OAK ST, DULUTH, MN 55810-2346
Document Number	000T997284
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	May 7, 2018
Title Company	ARROWHEAD TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 OAK ST PROCTOR MN 558102346, PROCTOR, MN 55810-2346

Mortgage

Document Number	000T997284
Date	Apr 24, 2018
Instrument	T997284

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 23, 2023

Interest

Rate Type	Adjustable Rate
Rate	4.75%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 22, 2017
Property Address	21 OAK ST, DULUTH, MN 55810-2346
Document Number	000T988906
Instrument Date	Aug 21, 2017
Instrument	T988906
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	21 OAK ST PROCTOR MN 558102346, PROCTOR, MN 55810-2346

Mortgage

Document Number	T988907
Date	Aug 22, 2017
Instrument	T988907

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 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	$1,818.00 (-19.49%) Homeowner's exemption
2025	$2,258.00 (+8.87%) Homeowner's exemption	$195,900 (+4.82%) Land $10,900 Building $185,000	$195,900 (+4.82%) Land $10,900 Building $185,000
2024	$2,074.00	$186,900 (+31.43%) Land $11,000 Building $175,900	$186,900 (+31.43%) Land $11,000 Building $175,900
2022		$142,200 Land $8,300 Building $133,900	$142,200 Land $8,300 Building $133,900

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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures