409 E Oxford St, Duluth, MN 55803 Property Records

St. Louis County property record for 409 E Oxford St, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1922
Lot Size	0.305 acres (13,300 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Aug 2020)
Tax Bill	$3,874 (2026)
Deeds & Mortgages	Aug 2021 Second Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3870-01790`

Property Details

APN / Parcel Number

Primary APN	`010-3870-01790`
Alternative APN	`1095158`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,260 sqft Gross Area
1st Floor Area	936 sqft
Basement Area	238 sqft
Finished Basement	238 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	13,300 sqft (0.305 acres)
Garage Area	528 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	192 sqft
Deck Area	548 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1095158
Street Address	409 E OXFORD ST
City	DULUTH
State	MN
Zip	55803-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 41 THRU 44 SERIAL #
Legal Subdivision	PRINCETON PLACE ADDITION
Legal Block	5
Legal Lot Number	41-44
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2012
Census Tract	500

Owner

Source: St. Louis County records · APN 010-3870-01790

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	409 E OXFORD ST, DULUTH, MN 55803-2309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBERS COOPERATIVE CU
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BK/CMRC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Deed Document Number	20201028225
Prior Transfer Date	Mar 05, 2012
Prior Transfer Doc	0000911892
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	409 E OXFORD ST, DULUTH, MN 55803-2309
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001045429
Date	Aug 17, 2021
Instrument	1045429

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	117 Months
Due	May 19, 2031

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 31, 2020
Property Address	409 E OXFORD ST, DULUTH, MN 55803-2309
Document Number	00T1028225
Instrument Date	Aug 17, 2020
Instrument	T1028225
Transaction Type	Transfer
Record Updated	Oct 07, 2020
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$611.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 E OXFORD ST DULUTH MN 558032309, DULUTH, MN 55803-2309

Mortgage

Document Number	T1028226
Date	Aug 31, 2020
Instrument	T1028226

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2050

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,874.00 (+4.59%) Homeowner's exemption
2025	$3,704.00 (-5.89%) Homeowner's exemption	$306,400 (+6.46%) Land $67,400 Building $239,000	$306,400 (+6.46%) Land $67,400 Building $239,000
2024	$3,936.00	$287,800 (+15.3%) Land $62,800 Building $225,000	$287,800 (+15.3%) Land $62,800 Building $225,000
2022		$249,600 Land $43,000 Building $206,600	$249,600 Land $43,000 Building $206,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370005002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1997, rainfall accumulation, Severe Flooding, High Winds,severe Storms

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 335 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on E Oxford St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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