4521 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4521 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,200 sqft · built 1977
Lot Size	0.389 acres (16,980 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Aug 2003)
Tax Bill	$4,360 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-2780-01020`

Property Details

APN / Parcel Number

Primary APN	`010-2780-01020`
Alternative APN	`743640`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,200 sqft Gross Area
1st Floor Area	1,200 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	16,980 sqft (0.389 acres)
Garage Area	528 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	743640
Street Address	4521 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0016 BLOCK:007 SERIAL #
Legal Subdivision	LAKESIDE GARDENS
Legal Block	7
Legal Lot Number	16
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	4521 OAKLEY ST, DULUTH, MN 55804-1229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · Line of Credit MINNESOTA POWER EMPLOYEES CU
Oct 1, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2003 · Amount on Record
Deed Sale	Aug 1, 2003 · Amount on Record
Deed Document Number	2003756155
Prior Transfer Date	Jun 19, 2000
Prior Transfer Doc	0000708801
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4521 OAKLEY ST, DULUTH, MN 55804-1229
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001078351
Date	Apr 9, 2024
Instrument	1078351

Lender

Name	MINNESOTA POWER EMPLOYEES CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 8, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4521 OAKLEY ST, DULUTH, MN 55804-1229
Document Number	00T1021631
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4521 OAKLEY ST DULUTH MN 558041229, DULUTH, MN 55804-1229

Mortgage

Document Number	00T1021631
Date	Mar 19, 2020
Instrument	T1021631

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	336 Months
Due	Mar 18, 2048

Interest

Rate Type	Adjustable Rate

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	$4,360.00 (+9.33%) Homeowner's exemption
2025	$3,988.00 (-1.53%) Homeowner's exemption	$332,700 (+8.34%) Land $60,100 Building $272,600	$332,700 (+8.34%) Land $60,100 Building $272,600
2024	$4,050.00	$307,100 (+14.33%) Land $58,000 Building $249,100	$307,100 (+14.33%) Land $58,000 Building $249,100
2022		$268,600 Land $44,700 Building $223,900	$268,600 Land $44,700 Building $223,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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
Adjoins Burnable Land	Yes

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.

Nearby Properties on Oakley St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures