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

St. Louis County property record for 309 N Oak Bend Dr, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 920 sqft · built 1959
Lot Size	0.154 acres (6,749 sqft)
Owner	Individual Name on Record
Last Sale	$205,500 (Jun 2021)
Tax Bill	$3,134 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3575-00405`

Property Details

APN / Parcel Number

Primary APN	`010-3575-00405`
Alternative APN	`1111140`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	920 sqft Gross Area
1st Floor Area	920 sqft
Basement Area	601 sqft
Finished Basement	601 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,749 sqft (0.154 acres)
Garage Area	466 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	29 sqft
Deck Area	194 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1111140
Street Address	309 N OAK BEND DR
City	DULUTH
State	MN
Zip	55811-5223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 50 FT SERIAL #
Legal Subdivision	OAK KNOLL SUB DULUTH
Legal Lot Number	40
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2000
Census Tract	301

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	309 N OAK BEND DR, DULUTH, MN 55811-5223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D
Feb 6, 2023	Deed of Trust, Mortgage · Balloon Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF D
Jun 23, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 23, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Jun 23, 2021 · Amount on Record
Deed Document Number	20211042605
Last Transfer Date	Nov 29, 2022
Transfer Doc	0001064438
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	309 N OAK BEND DR, DULUTH, MN 55811-5223
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001065822
Date	Feb 6, 2023
Instrument	1065822

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF D
Type	Government Agency
Address	DULUTH, MN 55816

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 30, 2038

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	309 N OAK BEND DR, DULUTH, MN 55811-5223
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001065823
Date	Feb 6, 2023
Instrument	1065823

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF D
Type	Government Agency
Address	DULUTH, MN 55816

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 30, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 23, 2021
Property Address	309 N OAK BEND DR, DULUTH, MN 55811-5223
Document Number	0001042605
Instrument Date	May 12, 2021
Instrument	1042605
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$678.15
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	309 N OAK BEND DR, DULUTH, MN 55811-5223

Mortgage

Document Number	0001042606
Date	Jun 23, 2021
Instrument	1042606

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jun 23, 2021
Property Address	309 N OAK BEND DR, DULUTH, MN 55811-5223
Document Number	0001042604
Instrument Date	Apr 16, 2021
Instrument	1042604
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2697 COUNTY ROAD 5, CARLTON, MN 55718-8149

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	$3,134.00 (+2.96%) Homeowner's exemption
2025	$3,044.00 (+9.65%) Homeowner's exemption	$243,200 (+0.04%) Land $39,400 Building $203,800	$243,200 (+0.04%) Land $39,400 Building $203,800
2024	$2,776.00	$243,100 (+18.3%) Land $28,800 Building $214,300	$243,100 (+18.3%) Land $28,800 Building $214,300
2022		$205,500 Land $31,000 Building $174,500	$205,500 Land $31,000 Building $174,500

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 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

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.

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