408 E Oxford St, Duluth, MN 55803 Property Records

St. Louis County property record for 408 E Oxford St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,297 sqft · built 1894
Lot Size	0.305 acres (13,302 sqft)
Owner	Individual Name on Record
Last Sale	$258,514 (Jun 2010)
Tax Bill	$5,112 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3870-03300`

Property Details

APN / Parcel Number

Primary APN	`010-3870-03300`
Alternative APN	`918400`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,297 sqft Gross Area
1st Floor Area	1,116 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	13,302 sqft (0.305 acres)
Garage Area	240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	50 sqft
Deck Area	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	918400
Street Address	408 E OXFORD ST
City	DULUTH
State	MN
Zip	55803-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 THRU 4 SERIAL #
Legal Subdivision	PRINCETON PLACE ADD TO DULUTH
Legal Block	9
Legal Lot Number	1-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2011
Census Tract	500

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	408 E OXFORD ST, DULUTH, MN 55803-2308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Mar 2, 2022	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Aug 10, 2020	Deed of Trust, Mortgage · Conventional with PMI NORTH SHORE BK/COMMERCE
Jun 18, 2018	Deed of Trust, Mortgage · Conventional with PMI NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2010 · Amount on Record
Deed Sale	Jun 16, 2010 · Amount on Record
Deed Document Number	2010885850
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 16, 2026
Property Address	408 E OXFORD ST, DULUTH, MN 55803-2308
Document Number	0001102479
Instrument Date	May 26, 2026
Instrument	20261102479
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E OXFORD ST, DULUTH, MN 55803-2308

Mortgage

Document Number	0001102479,
Date	Jun 16, 2026
Instrument	20261102479

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 26, 2056

Interest

Rate	6.3%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	408 E OXFORD ST, DULUTH, MN 55803-2308
Transaction Type	Mortgage
Record Updated	Mar 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E OXFORD ST, DULUTH, MN 55803-2308

Mortgage

Document Number	0001053889
Date	Mar 2, 2022
Instrument	1053889

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Feb 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	408 E OXFORD ST, DULUTH, MN 55803-2308
Document Number	00T1027554
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	NORTH SHORE TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 E OXFORD ST DULUTH MN 558032308, DULUTH, MN 55803-2308

Mortgage

Document Number	00T1027554
Date	Aug 18, 2020
Instrument	T1027554

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	408 E OXFORD ST, DULUTH, MN 55803-2308
Document Number	000T999484
Instrument Date	Jun 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 E OXFORD ST DULUTH MN 558032308, DULUTH, MN 55803-2308

Mortgage

Document Number	000T999484
Date	Jun 25, 2018
Instrument	T999484

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

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	$5,112.00 (-6.82%) Homeowner's exemption
2025	$5,486.00 (-1.79%) Homeowner's exemption	$389,000 (+6.23%) Land $67,300 Building $321,700	$389,000 (+6.23%) Land $67,300 Building $321,700
2024	$5,586.00	$366,200 (+18.63%) Land $62,800 Building $303,400	$366,200 (+18.63%) Land $62,800 Building $303,400
2022		$308,700 Land $43,000 Building $265,700	$308,700 Land $43,000 Building $265,700

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 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1997 · Severe Flooding, High Winds,severe Storms

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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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