28 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 28 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,032 sqft · built 1952
Lot Size	0.129 acres (5,625 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Oct 2025)
Tax Bill	$2,484 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00460`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00460`
Alternative APNs	`1188855` `996926`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,032 sqft Gross Area
1st Floor Area	840 sqft
Basement Area	591 sqft
Finished Basement	591 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,625 sqft (0.129 acres)
Garage Area	480 sqft

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Deck Area	107 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1188855
Street Address	28 OAK ST
City	DULUTH
State	MN
Zip	55810-2345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL OF LOT 6 & W 15 FT OF LOT 7 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIVISION
Legal Block	3
Legal Lot Number	6-7
Jurisdiction	ST LOUIS MN
Township / Civil Division	PROCTOR
Census Block Group	2
Census Block	2016
Census Tract	10100

Owner

Source: St. Louis County assessment roll, 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	2 Individual Names on File
Mailing Address	28 OAK ST, DULUTH, MN 55810-2345
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 2, 2025	Warranty Deed, Transfer · Conventional Mortgage TRADITION MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 2, 2025 · Amount on Record
Deed Sale	Oct 2, 2025 · Amount on Record
Prior Sale	Oct 6, 2015 · Amount on Record
Deed Document Number	20251094820
Prior Transfer Date	Apr 16, 2007
Prior Transfer Doc	0000836256
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	28 OAK ST, DULUTH, MN 55810-2345
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK ST, PROCTOR, MN 55810-2345

Mortgage

Document Number	0001073606
Date	Oct 20, 2023
Instrument	1073606

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Oct 1, 2045

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 2, 2025
Property Address	28 OAK ST, DULUTH, MN 55810-2345
Document Number	0001094820
Instrument Date	Sep 25, 2025
Instrument	1094820
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$874.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	28 OAK ST, PROCTOR, MN 55810-2345

Mortgage

Document Number	0001094821
Date	Oct 2, 2025
Instrument	1094821

Lender

Name	TRADITION MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

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	$2,484.00 (-14.17%) Homeowner's exemption
2025	$2,894.00 (+12.87%)	$221,200 (+40.89%) Land $12,400 Building $208,800	$221,200 (+40.89%) Land $12,400 Building $208,800
2024	$2,564.00	$157,000 (+30.51%) Land $12,400 Building $144,600	$157,000 (+30.51%) Land $12,400 Building $144,600
2022		$120,300 Land $9,300 Building $111,000	$120,300 Land $9,300 Building $111,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Not rated no burnable land within ember reach

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 Communications, T-Mobile USA.

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