4437 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4437 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,020 sqft · built 1980
Lot Size	0.389 acres (16,980 sqft)
Owner	Individual Name on Record
Last Sale	$282,000 (Oct 2019)
Tax Bill	$4,812 (2026)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2780-01260`

Property Details

APN / Parcel Number

Primary APN	`010-2780-01260`
Alternative APN	`1079571`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,020 sqft Gross Area
1st Floor Area	1,020 sqft
Basement Area	988 sqft
Finished Basement	988 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	16,980 sqft (0.389 acres)
Garage Area	616 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	40 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1079571
Street Address	4437 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0020 BLOCK:008 SERIAL #
Legal Subdivision	LAKESIDE GARDENS
Legal Block	8
Legal Lot Number	20
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4000
Census Tract	600

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	4437 OAKLEY ST, DULUTH, MN 55804-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2019 · Amount on Record
Deed Sale	Oct 21, 2019 · Amount on Record
Deed Document Number	20191016457
Record Updated	Sep 20, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 21, 2019
Property Address	4437 OAKLEY ST, DULUTH, MN 55804-1227
Document Number	00T1016457
Instrument Date	Oct 18, 2019
Instrument	T1016457
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4437 OAKLEY ST DULUTH MN 558041227, DULUTH, MN 55804-1227

Mortgage

Document Number	T1016458
Date	Oct 21, 2019
Instrument	T1016458

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

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	$4,812.00 (+7.12%) Homeowner's exemption
2025	$4,492.00 (+1.08%) Homeowner's exemption	$363,000 (+6.36%) Land $60,100 Building $302,900	$363,000 (+6.36%) Land $60,100 Building $302,900
2024	$4,444.00	$341,300 (+15.58%) Land $58,000 Building $283,300	$341,300 (+15.58%) Land $58,000 Building $283,300
2022		$295,300 Land $44,700 Building $250,600	$295,300 Land $44,700 Building $250,600

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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