444 E Oxford St, Duluth, MN 55803 Property Records

St. Louis County property record for 444 E Oxford St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,285 sqft · built 1949
Lot Size	0.152 acres (6,650 sqft)
Owner	Individual Name on Record
Last Sale	$182,500 (Feb 2019)
Tax Bill	$4,038 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3870-03510`

Property Details

APN / Parcel Number

Primary APN	`010-3870-03510`
Alternative APN	`1065801`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,285 sqft Gross Area
1st Floor Area	882 sqft
Basement Area	662 sqft
Finished Basement	662 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,650 sqft (0.152 acres)
Garage Area	400 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	144 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1065801
Street Address	444 E OXFORD ST
City	DULUTH
State	MN
Zip	55803-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 22 AND 23 SERIAL #
Legal Subdivision	PRINCETON PLACE ADDITION
Legal Block	9
Legal Lot Number	22-23
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	444 E OXFORD ST, DULUTH, MN 55803-2308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CHOICE CU
Feb 1, 2019	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE
Dec 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2019 · Amount on Record
Deed Sale	Feb 1, 2019 · Amount on Record
Prior Sale	Jun 5, 2015 · Amount on Record
Deed Document Number	20191349349
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	444 E OXFORD ST, DULUTH, MN 55803-2308
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001408160
Date	Mar 26, 2021
Instrument	1408160

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	4.62%
Index	11th District COF
Max Rate	8.62%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 1, 2019
Property Address	444 E OXFORD ST, DULUTH, MN 55803-2308
Document Number	0001349349
Instrument Date	Feb 1, 2019
Instrument	1349349
Transaction Type	Transfer
Record Updated	Feb 11, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 E OXFORD ST DULUTH MN 558032308, DULUTH, MN 55803-2308

Mortgage

Document Number	1349350
Date	Feb 1, 2019
Instrument	1349350

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	444 E OXFORD ST, DULUTH, MN 55803-2308
Document Number	00A1324545
Instrument Date	Dec 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	444 E OXFORD ST DULUTH MN 558032308, DULUTH, MN 55803-2308

Mortgage

Document Number	00A1324545
Date	Dec 20, 2017
Instrument	A1324545

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	444 E OXFORD ST, DULUTH, MN 55803-2308
Document Number	00A1304436
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	444 E OXFORD ST DULUTH MN 558032308, DULUTH, MN 55803-2308

Mortgage

Document Number	00A1304436
Date	Feb 21, 2017
Instrument	A1304436

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 20, 2032

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	$4,038.00 (+4.83%) Homeowner's exemption
2025	$3,852.00 (+1.74%) Homeowner's exemption	$317,000 (+6.41%) Land $47,000 Building $270,000	$317,000 (+6.41%) Land $47,000 Building $270,000
2024	$3,786.00	$297,900 (+27.8%) Land $43,800 Building $254,100	$297,900 (+27.8%) Land $43,800 Building $254,100
2022		$233,100 Land $30,000 Building $203,100	$233,100 Land $30,000 Building $203,100

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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