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

St. Louis County property record for 415 N Oak Bend Dr, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 1,962 sqft · built 1976
Lot Size	0.366 acres (15,946 sqft)
Owner	Individual Name on File
Last Sale	$389,900 (Oct 2021)
Tax Bill	$6,678 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3575-00350`

Property Details

APN / Parcel Number

Primary APN	`010-3575-00350`
Alternative APN	`1119728`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,962 sqft Gross Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Finished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	15,946 sqft (0.366 acres)
Garage Area	1,008 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	72 sqft
Deck Area	548 sqft
Storage Building	150 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	1119728
Street Address	415 N OAK BEND DR
City	DULUTH
State	MN
Zip	55811-5208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0035 BLOCK:000 SERIAL #
Legal Subdivision	OAK KNOLL SUB DULUTH
Legal Lot Number	35
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2000
Census Tract	301

Owner

415 N Oak Bend Dr is owned and occupied by an individual who bought it in October 2021.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	415 N OAK BEND DR, DULUTH, MN 55811-5208
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2021 · Amount on File
Deed Sale	Oct 27, 2021 · Amount on File
Deed Document Number	20211048786
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 27, 2021
Property Address	415 N OAK BEND DR, DULUTH, MN 55811-5208
Document Number	0001048786
Instrument Date	Jul 13, 2021
Instrument	1048786
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,286.67
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	415 N OAK BEND DR # DRIVE3, DRIVE3, DULUTH, MN 55811-5208

Mortgage

Document Number	0001048787
Date	Oct 27, 2021
Instrument	1048787

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 415 N Oak Bend Dr was $6,678 with a homeowner's exemption, up 3% from the year before.

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	$6,678.00 (+2.99%) Homeowner's exemption
2025	$6,484.00 (+10.31%) Homeowner's exemption	$492,400 (+3.36%) Land $61,700 Building $430,700	$492,400 (+3.36%) Land $61,700 Building $430,700
2024	$5,878.00	$476,400 Land $45,200 Building $431,200	$476,400 Land $45,200 Building $431,200
2022		$407,800 Land $48,600 Building $359,200	$407,800 Land $48,600 Building $359,200

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

Flood

FEMA maps place 415 N Oak Bend Dr in Zone X, an area of minimal flood risk.

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

The area around 415 N Oak Bend Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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