4508 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4508 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 864 sqft · built 1975
Lot Size	0.387 acres (16,895 sqft)
Owner	Company Name on Record
Last Sale	$4,128,500 (Jan 2021)
Tax Bill	$4,180 (2026)
Deeds & Mortgages	Dec 2020 Line of Credit Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`010-2780-01730`

Property Details

APN / Parcel Number

Primary APN	`010-2780-01730`
Alternative APN	`1103227`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	648 sqft
Finished Basement	648 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	16,895 sqft (0.387 acres)
Garage Area	384 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1103227
Street Address	4508 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0009 BLOCK:012 SERIAL #
Legal Subdivision	LAKESIDE GARDENS
Legal Block	12
Legal Lot Number	9
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 August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	320 W OHIO ST, 650, CHICAGO, IL 60654-7816
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2020	Deed of Trust, Mortgage · Line of Credit BERKADIA COM'L MTG
Jan 12, 2021	Grant Deed, Transfer FIRST NATIONAL TITLE AND ESCROW, FIRST NAT'L TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2021 · Amount on Record
Deed Sale	Jan 12, 2021 · Amount on Record
Prior Sale	Jan 27, 2010 · Amount on Record
Deed Document Number	20211035053
Prior Transfer Date	Jun 18, 2002
Prior Transfer Doc	0000726208
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4508 OAKLEY ST, DULUTH, MN 55804-1228
Document Number	00A1401346
Instrument Date	Dec 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 W OHIO ST #650N CHICAGO IL 606546566, 650N, CHICAGO, IL 60654-6566

Mortgage

Document Number	00A1401346
Date	Jan 19, 2021
Instrument	A1401346

Lender

Name	BERKADIA COM'L MTG
Type	Mortgage Company
Address	323 NORRISTOWN RD # 300, AMBLER, PA 19002-2758

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 18, 2031

Interest

Rate Type	Adjustable Rate
Rate	3.85%

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 12, 2021
Property Address	4508 OAKLEY ST, DULUTH, MN 55804-1228
Document Number	00T1035053
Instrument Date	Dec 22, 2020
Instrument	T1035053
Transaction Type	Transfer
Record Updated	Feb 10, 2021
Title Company	FIRST NATIONAL TITLE AND ESCROW, FIRST NAT'L TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$13,624.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 W OHIO ST CHICAGO IL 606546566, CHICAGO, IL 60654-6566

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	$4,180.00 (+6.31%)
2025	$3,932.00 (+8.2%)	$307,300 (+7.45%) Land $75,000 Building $232,300	$307,300 (+7.45%) Land $75,000 Building $232,300
2024	$3,634.00	$286,000 (+21.39%) Land $72,300 Building $213,700	$286,000 (+21.39%) Land $72,300 Building $213,700
2022		$235,600 Land $55,600 Building $180,000	$235,600 Land $55,600 Building $180,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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