304 N Oak Bend Dr, Duluth, MN 55811 Property Records

St. Louis County property record for 304 N Oak Bend Dr, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 879 sqft · built 1969
Lot Size	0.232 acres (10,124 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Dec 2019)
Tax Bill	$2,776 (2026)
Deeds & Mortgages	Dec 2019 Sale May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-3575-00500`

Property Details

APN / Parcel Number

Primary APN	`010-3575-00500`
Alternative APN	`1081690`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	879 sqft Gross Area
1st Floor Area	879 sqft
Basement Area	176 sqft
Finished Basement	176 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	10,124 sqft (0.232 acres)
Garage Area	588 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	86 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1081690
Street Address	304 N OAK BEND DR
City	DULUTH
State	MN
Zip	55811-5224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0050 BLOCK:000 SERIAL #
Legal Subdivision	OAK KNOLL SUBDIVISION
Legal Lot Number	50
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2001
Census Tract	301

Owner

304 N Oak Bend Dr is owned and occupied by an individual who bought it in December 2019.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	304 N OAK BEND DR, DULUTH, MN 55811-5224
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2019	Warranty Deed, Transfer ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO
May 8, 2019	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Deed Document Number	20191018827
Record Updated	Sep 20, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 20, 2019
Property Address	304 N OAK BEND DR, DULUTH, MN 55811-5224
Document Number	00T1018827
Instrument Date	Nov 18, 2019
Instrument	T1018827
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount on Record
Tax	$544.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N OAK BEND DR DULUTH MN 558115224, DULUTH, MN 55811-5224

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	304 N OAK BEND DR, DULUTH, MN 55811-5224
Document Number	00T1010858
Instrument Date	May 8, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N OAK BEND DR DULUTH MN 558115224, DULUTH, MN 55811-5224

Mortgage

Document Number	00T1010858
Date	May 29, 2019
Instrument	T1010858

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 28, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 304 N Oak Bend Dr was $2,776 with a homeowner's exemption, up 3% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,776.00 (+3.04%) Homeowner's exemption
2025	$2,694.00 (+7.07%) Homeowner's exemption	$234,200 (+6.75%) Land $48,200 Building $186,000	$234,200 (+6.75%) Land $48,200 Building $186,000
2024	$2,516.00	$219,400 Land $35,300 Building $184,100	$219,400 Land $35,300 Building $184,100
2022		$189,400 Land $37,900 Building $151,500	$189,400 Land $37,900 Building $151,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 304 N Oak Bend Dr in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

The area around 304 N Oak Bend Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T.

Nearby Properties on N Oak Bend Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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