4412 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4412 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1969
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Oct 2015)
Tax Bill	$4,172 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2780-01925`

Property Details

APN / Parcel Number

Primary APN	`010-2780-01925`
Alternative APN	`996534`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,144 sqft Gross Area
1st Floor Area	1,144 sqft
Basement Area	528 sqft
Finished Basement	528 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	10,500 sqft (0.241 acres)
Garage Type	Basement
Pool Type	Spa / Hot Tub (No Pool)
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	996534
Street Address	4412 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	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4001
Census Tract	600

Owner

Source: St. Louis County records, as of October 20, 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	4412 OAKLEY ST, DULUTH, MN 55804-1226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jul 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Sep 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2015 · Amount on Record
Deed Sale	Oct 2, 2015 · Amount on Record
Deed Document Number	2015962960
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4412 OAKLEY ST, DULUTH, MN 55804-1226
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001039654
Date	Apr 22, 2021
Instrument	1039654

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4412 OAKLEY ST, DULUTH, MN 55804-1226
Document Number	00T1012458
Instrument Date	Jul 5, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4412 OAKLEY ST DULUTH MN 558041226, DULUTH, MN 55804-1226

Mortgage

Document Number	00T1012458
Date	Jul 15, 2019
Instrument	T1012458

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 14, 2024

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4412 OAKLEY ST, DULUTH, MN 55804-1226
Document Number	00T1002850
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4412 OAKLEY ST DULUTH MN 558041226, DULUTH, MN 55804-1226

Mortgage

Document Number	00T1002850
Date	Sep 18, 2018
Instrument	T1002850

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 17, 2023

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	$4,172.00 (+7.14%) Homeowner's exemption
2025	$3,894.00 (+12.67%) Homeowner's exemption	$320,000 (+6.38%) Land $57,400 Building $262,600	$320,000 (+6.38%) Land $57,400 Building $262,600
2024	$3,456.00	$300,800 (+22.18%) Land $55,400 Building $245,400	$300,800 (+22.18%) Land $55,400 Building $245,400
2022		$246,200 Land $42,600 Building $203,600	$246,200 Land $42,600 Building $203,600

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

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	Indirect 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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