25 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 25 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,088 sqft · built 1932
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jul 2022)
Tax Bill	$3,484 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00270`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00270`
Alternative APN	`1133255`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,088 sqft Gross Area
1st Floor Area	1,088 sqft
Basement Area	816 sqft
Finished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,250 sqft (0.143 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	96 sqft
Storage Building	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1133255
Street Address	25 OAK ST
City	DULUTH
State	MN
Zip	55810-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 AND WLY 20 FT OF LOT 9 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIVISION
Legal Block	2
Legal Lot Number	8-9
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	25 OAK ST, DULUTH, MN 55810-2346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage SERVION INC
Dec 6, 2018	Warranty Deed, Transfer · Conventional with PMI SERVION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Prior Sale	Dec 6, 2018 · Amount on Record
Deed Document Number	20221058720
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 12, 2022
Property Address	25 OAK ST, DULUTH, MN 55810-2346
Document Number	0001058720
Instrument Date	Jul 1, 2022
Instrument	1058720
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OAK ST, PROCTOR, MN 55810-2346

Mortgage

Document Number	0001058721
Date	Jul 12, 2022
Instrument	1058721

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	25 OAK ST, DULUTH, MN 55810-2346
Document Number	00T1027004
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	25 OAK ST PROCTOR MN 558102346, PROCTOR, MN 55810-2346

Mortgage

Document Number	00T1027004
Date	Aug 6, 2020
Instrument	T1027004

Lender

Name	SERVION INC
Address	NEW BRIGHTON, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 6, 2018
Property Address	25 OAK ST, DULUTH, MN 55810-2346
Document Number	00T1005738
Instrument Date	Aug 16, 2018
Instrument	T1005738
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	25 OAK ST PROCTOR MN 558102346, PROCTOR, MN 55810-2346

Mortgage

Document Number	A1005739
Date	Dec 6, 2018
Instrument	A1005739

Lender

Name	SERVION INC
Address	NEW BRIGHTON, MN 55112

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2048

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	$3,484.00 (+3.94%) Homeowner's exemption
2025	$3,352.00 (+8.27%) Homeowner's exemption	$263,500 (+1.7%) Land $13,600 Building $249,900	$263,500 (+1.7%) Land $13,600 Building $249,900
2024	$3,096.00	$259,100 (+62.85%) Land $13,700 Building $245,400	$259,100 (+62.85%) Land $13,700 Building $245,400
2022		$159,100 Land $10,400 Building $148,700	$159,100 Land $10,400 Building $148,700

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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