4408 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4408 Oakley St, Duluth, MN 55804 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,120 sqft · built 1968
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on File
Last Sale	$244,500 (Jun 2020)
Tax Bill	$4,200 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2780-01935`

Property Details

APN / Parcel Number

Primary APN	`010-2780-01935`
Alternative APN	`1091319`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,120 sqft Gross Area
1st Floor Area	1,120 sqft
Basement Area	520 sqft
Finished Basement	520 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Lot Area	10,500 sqft (0.241 acres)
Pool Type	Spa / Hot Tub (No Pool)
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1091319
Street Address	4408 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NWLY 140 FT SERIAL #
Legal Subdivision	LAKESIDE GARDENS DULUTH
Legal Block	13
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4001
Census Tract	600

Owner

Source: St. Louis County records · APN 010-2780-01935

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	4408 OAKLEY ST, DULUTH, MN 55804-1226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Warranty Deed, Transfer · Conventional with PMI US BK
Oct 11, 2018	Deed of Trust, Mortgage · Line of Credit US BK
Nov 30, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 22, 2020 · Amount on Record
Deed Sale	Jun 22, 2020 · Amount on Record
Deed Document Number	20201024870
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 22, 2020
Property Address	4408 OAKLEY ST, DULUTH, MN 55804-1226
Document Number	00T1024870
Instrument Date	Jun 19, 2020
Instrument	T1024870
Transaction Type	Transfer
Record Updated	Aug 06, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$807.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4408 OAKLEY ST DULUTH MN 558041226, DULUTH, MN 55804-1226

Mortgage

Document Number	T1024871
Date	Jun 22, 2020
Instrument	T1024871

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4408 OAKLEY ST, DULUTH, MN 55804-1226
Document Number	00T1004434
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4408 OAKLEY ST DULUTH MN 558041226, DULUTH, MN 55804-1226

Mortgage

Document Number	00T1004434
Date	Oct 30, 2018
Instrument	T1004434

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2048

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 30, 2017
Property Address	4408 OAKLEY ST, DULUTH, MN 55804-1226
Document Number	000T992712
Instrument Date	Nov 22, 2017
Instrument	T992712
Transaction Type	Transfer
Record Updated	Jan 03, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$527.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4408 OAKLEY ST DULUTH MN 558041226, DULUTH, MN 55804-1226

Mortgage

Document Number	T992714
Date	Nov 30, 2017
Instrument	T992714

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2047

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	$4,200.00 (+7.09%) Homeowner's exemption
2025	$3,922.00 (+13.35%) Homeowner's exemption	$321,900 (+6.38%) Land $57,400 Building $264,500	$321,900 (+6.38%) Land $57,400 Building $264,500
2024	$3,460.00	$302,600 (+27.14%) Land $55,400 Building $247,200	$302,600 (+27.14%) Land $55,400 Building $247,200
2022		$238,000 Land $42,600 Building $195,400	$238,000 Land $42,600 Building $195,400

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 271370006004, 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 Policies	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

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 424 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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