39 Oak St, Duluth, MN 55810 Property Records

St. Louis County property record for 39 Oak St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,260 sqft · built 1920
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$3,000 (Sep 2021)
Tax Bill	$3,112 (2026)
Deeds & Mortgages	Sep 2021 Transfer Sep 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`185-0070-00200`

Property Details

APN / Parcel Number

Primary APN	`185-0070-00200`
Alternative APN	`562211`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,260 sqft Gross Area
1st Floor Area	720 sqft
Basement Area	180 sqft
Finished Basement	180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,500 sqft (0.172 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	280 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	562211
Street Address	39 OAK ST
City	DULUTH
State	MN
Zip	55810-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2 SERIAL #
Legal Subdivision	PROCTOR CENTRAL DIV
Legal Block	2
Legal Lot Number	1-2
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	39 OAK ST, DULUTH, MN 55810-2346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Intrafamily Transfer, Transfer
Sep 20, 2021	Intrafamily Transfer, Transfer
Nov 28, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 13, 2018	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Prior Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	20211047011
Prior Transfer Date	Sep 16, 2021
Prior Transfer Doc	0001047010
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Sep 20, 2021
Property Address	39 OAK ST, DULUTH, MN 55810-2346
Document Number	0001047010
Instrument Date	Sep 16, 2021
Instrument	1047010
Transaction Type	Transfer
Record Updated	Oct 21, 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
Relationship	Tenants in Common
Address	39 OAK ST, PROCTOR, MN 55810-2346

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Sep 20, 2021
Property Address	39 OAK ST, DULUTH, MN 55810-2346
Document Number	0001047011
Instrument Date	Sep 16, 2021
Instrument	1047011
Transaction Type	Transfer
Record Updated	Oct 21, 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
Relationship	Tenants in Common
Address	39 OAK ST, PROCTOR, MN 55810-2346

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	39 OAK ST, DULUTH, MN 55810-2346
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001005388
Date	Nov 28, 2018
Instrument	1005388

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 14, 2038

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	39 OAK ST, DULUTH, MN 55810-2346
Document Number	00T1006155
Instrument Date	Nov 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	39 OAK ST PROCTOR MN 558102346, PROCTOR, MN 55810-2346

Mortgage

Document Number	00T1006155
Date	Dec 18, 2018
Instrument	T1006155

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2048

Interest

Rate Type	Adjustable Rate

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	$3,112.00 (+10.83%) Homeowner's exemption
2025	$2,808.00 (+8.17%) Homeowner's exemption	$239,400 (+7.21%) Land $16,000 Building $223,400	$239,400 (+7.21%) Land $16,000 Building $223,400
2024	$2,596.00	$223,300 (+30.36%) Land $15,700 Building $207,600	$223,300 (+30.36%) Land $15,700 Building $207,600
2022		$171,300 Land $11,800 Building $159,500	$171,300 Land $11,800 Building $159,500

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 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

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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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