305 Osakis St, Duluth, MN 55803 Property Records

St. Louis County property record for 305 Osakis St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 0.75 ba · 1,020 sqft · built 1911
Lot Size	0.118 acres (5,167 sqft)
Owner	Individual Name on Record
Tax Bill	$2,600 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-4690-00850`

Property Details

APN / Parcel Number

Primary APN	`010-4690-00850`
Alternative APN	`6496`

Interior

Bedrooms	2 Beds
Full Baths	0.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,020 sqft Gross Area
1st Floor Area	760 sqft
Basement Area	130 sqft
Finished Basement	130 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	5,167 sqft (0.118 acres)
Garage Area	228 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	96 sqft
Deck Area	200 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	6496
Street Address	305 OSAKIS ST
City	DULUTH
State	MN
Zip	55803-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0012 BLOCK:007 SERIAL #
Legal Subdivision	WOODLAND PARK 7TH DIV DULUTH
Legal Block	7
Legal Lot Number	12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1021
Census Tract	100

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	305 OSAKIS ST, DULUTH, MN 55803-2033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · VA Mortgage MEMBERS COOPERATIVE CU
Aug 9, 2023	Deed of Trust, Mortgage · Line of Credit PARK STATE BANK & TRUST
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK & TRUST
Apr 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 OSAKIS ST, DULUTH, MN 55803-2033
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 OSAKIS ST, DULUTH, MN 55803-2033

Mortgage

Document Number	0001094625
Date	Sep 26, 2025
Instrument	1094625

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 OSAKIS ST, DULUTH, MN 55803-2033
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 OSAKIS ST, DULUTH, MN 55803-2033

Mortgage

Document Number	0001071022
Date	Aug 9, 2023
Instrument	1071022

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	DULUTH, MN 55803

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 14, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 OSAKIS ST, DULUTH, MN 55803-2033
Transaction Type	Mortgage
Record Updated	Mar 10, 2022
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001053349
Date	Feb 14, 2022
Instrument	1053349

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	305 OSAKIS ST, DULUTH, MN 55803-2033
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001009090
Date	Apr 2, 2019
Instrument	1009090

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	DULUTH, MN 55806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2034

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	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,600.00 (+11.49%) Homeowner's exemption
2025	$2,332.00 (+1.66%) Homeowner's exemption	$226,300 (+16.17%) Land $21,900 Building $204,400	$226,300 (+16.17%) Land $21,900 Building $204,400
2024	$2,294.00	$194,800 (+16.72%) Land $22,900 Building $171,900	$194,800 (+16.72%) Land $22,900 Building $171,900
2022		$166,900 Land $26,600 Building $140,300	$166,900 Land $26,600 Building $140,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on Osakis St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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