430 E Oxford St, Duluth, MN 55803 Property Records

St. Louis County property record for 430 E Oxford St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,446 sqft · built 1955
Lot Size	0.152 acres (6,651 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Oct 2025)
Tax Bill	$3,414 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3870-03440`

Property Details

APN / Parcel Number

Primary APN	`010-3870-03440`
Alternative APNs	`1189379` `1161880` `20767`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,446 sqft Gross Area
1st Floor Area	928 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	6,651 sqft (0.152 acres)
Pool Type	Spa / Hot Tub (No Pool)
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1189379
Street Address	430 E OXFORD ST
City	DULUTH
State	MN
Zip	55803-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 15 AND 16 SERIAL #
Legal Subdivision	PRINCETON PLACE ADD TO DULUTH
Legal Block	9
Legal Lot Number	15-16
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	430 E OXFORD ST, DULUTH, MN 55803-2308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Deed Document Number	20251520281
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 15, 2025
Property Address	430 E OXFORD ST, DULUTH, MN 55803-2308
Document Number	0001520281
Instrument Date	Sep 22, 2025
Instrument	1520281
Transaction Type	Transfer
Record Updated	Nov 4, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 E OXFORD ST, DULUTH, MN 55803-2308

Mortgage

Document Number	0001520282
Date	Oct 15, 2025
Instrument	1520282

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	4.87%
Index	1-Year T-Bill
Max Rate	10.8%

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	$3,414.00 (-3.67%) Homeowner's exemption
2025	$3,544.00 (+11.38%)	$270,900 (+5.16%) Land $47,000 Building $223,900	$270,900 (+5.16%) Land $47,000 Building $223,900
2024	$3,182.00	$257,600 (+24.69%) Land $43,900 Building $213,700	$257,600 (+24.69%) Land $43,900 Building $213,700
2022		$206,600 Land $30,000 Building $176,600	$206,600 Land $30,000 Building $176,600

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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