St. Louis County property record for 4524 Oakley St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 896 sqft · built 1922 |
| Lot Size | 0.387 acres (16,895 sqft) |
| Owner | Individual Name on File |
| Last Sale | $212,000 (Nov 2020) |
| Tax Bill | $4,106 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2780-01690 |
| Primary APN | 010-2780-01690 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 896 sqft Gross Area |
| 1st Floor Area | 896 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 16,895 sqft (0.387 acres) |
| Garage Area | 936 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 176 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1100343 |
|---|---|
| Street Address | 4524 OAKLEY ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0005 BLOCK:012 SERIAL # |
| Legal Subdivision | LAKESIDE GARDENS DULUTH |
| Legal Block | 12 |
| Legal Lot Number | 5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 600 |
Source: St. Louis County assessment roll, APN 010-2780-01690, as of 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 | 4524 OAKLEY ST, DULUTH, MN 55804-1228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Line of Credit HIWAY CU |
| Nov 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 20, 2020 · Amount on Record |
| Deed Sale | Nov 20, 2020 · Amount on Record |
| Prior Sale | Sep 25, 2001 · Amount on Record |
| Deed Document Number | 20201032480 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4524 OAKLEY ST, DULUTH, MN 55804-1228 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001048349 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 1048349 |
| Name | HIWAY CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 31, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 20, 2020 |
| Property Address | 4524 OAKLEY ST, DULUTH, MN 55804-1228 |
| Document Number | 00T1032480 |
| Instrument Date | Oct 28, 2020 |
| Instrument | T1032480 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2020 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4524 OAKLEY ST DULUTH MN 558041228, DULUTH, MN 55804-1228 |
| Document Number | T1032481 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | T1032481 |
| Name | NORTHWEST FCU |
|---|---|
| Type | Credit Union |
| Address | HERNDON, VA 20170 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2050 |
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 | $4,106.00 (+6.32%) | ||
| 2025 | $3,862.00 (+4.89%) | $297,900 (+6.05%) Land $75,000 Building $222,900 | $297,900 (+6.05%) Land $75,000 Building $222,900 |
| 2024 | $3,682.00 | $280,900 (+17.63%) Land $72,300 Building $208,600 | $280,900 (+17.63%) Land $72,300 Building $208,600 |
| 2022 | $238,800 Land $55,600 Building $183,200 | $238,800 Land $55,600 Building $183,200 |
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 |
|---|---|
| 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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, 424 locations within half a mile, 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.
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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