St. Louis County property record for 4420 Oakley St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,068 sqft · built 1968 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $167,000 (Feb 2017) |
| Tax Bill | $4,038 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2780-01900 |
| Primary APN | 010-2780-01900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,068 sqft Gross Area |
| 1st Floor Area | 1,068 sqft |
| Basement Area | 613 sqft |
| Finished Basement | 613 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 15,000 sqft (0.344 acres) |
| Garage Area | 442 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 288 sqft |
| Storage Building | 42 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1025301 |
|---|---|
| Street Address | 4420 OAKLEY ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0004 BLOCK:013 SERIAL # |
| Legal Subdivision | LAKESIDE GARDENS DULUTH |
| Legal Block | 13 |
| Legal Lot Number | 4 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-2780-01900
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 | 4420 OAKLEY ST, DULUTH, MN 55804-1226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2022 | Deed of Trust, Mortgage · Line of Credit IDEAL CU |
| Oct 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 04, 2020 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Jun 04, 2020 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Feb 07, 2017 | Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 07, 2017 · Amount on Record |
| Deed Sale | Feb 07, 2017 · Amount on Record |
| Prior Sale | Mar 14, 2013 · Amount on Record |
| Deed Document Number | 2017981886 |
| Prior Transfer Date | Nov 09, 2011 |
| Prior Transfer Doc | 0000907640 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4420 OAKLEY ST, DULUTH, MN 55804-1226 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4420 OAKLEY ST, DULUTH, MN 55804-1226 |
| Document Number | 0001061824 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 1061824 |
| Name | IDEAL CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55109 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 27, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4420 OAKLEY ST, DULUTH, MN 55804-1226 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001048717 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 1048717 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4420 OAKLEY ST, DULUTH, MN 55804-1226 |
| Document Number | 00T1024650 |
| Instrument Date | Jun 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 4420 OAKLEY ST DULUTH MN 558041226, DULUTH, MN 55804-1226 |
| Document Number | 00T1024650 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | T1024650 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4420 OAKLEY ST, DULUTH, MN 55804-1226 |
| Document Number | 00T1024651 |
| Instrument Date | Jun 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 4420 OAKLEY ST DULUTH MN 558041226, DULUTH, MN 55804-1226 |
| Document Number | 00T1024651 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | T1024651 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 07, 2017 |
| Property Address | 4420 OAKLEY ST, DULUTH, MN 55804-1226 |
| Document Number | 000T981886 |
| Instrument Date | Feb 03, 2017 |
| Instrument | T981886 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2017 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $551.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4420 OAKLEY ST DULUTH MN 558041226, DULUTH, MN 55804-1226 |
| Document Number | T981887 |
|---|---|
| Date | Feb 07, 2017 |
| Instrument | T981887 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 06, 2047 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $4,038.00 (+6.94%) Homeowner's exemption | ||
| 2025 | $3,776.00 (+8.82%) Homeowner's exemption | $310,800 (+6.15%) Land $69,800 Building $241,000 | $310,800 (+6.15%) Land $69,800 Building $241,000 |
| 2024 | $3,470.00 | $292,800 (+23.81%) Land $67,300 Building $225,500 | $292,800 (+23.81%) Land $67,300 Building $225,500 |
| 2022 | $236,500 Land $51,800 Building $184,700 | $236,500 Land $51,800 Building $184,700 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370006004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Verizon.
Based on FCC filings for 424 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MN1690011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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