4525 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4525 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,776 sqft · built 1947
Lot Size	0.389 acres (16,980 sqft)
Owner	2 Individual Names on File
Last Sale	$403,000 (Mar 2025)
Tax Bill	$5,102 (2026)
Deeds & Mortgages	Jan 2019 Line of Credit Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2780-01030`

Property Details

APN / Parcel Number

Primary APN	`010-2780-01030`
Alternative APNs	`1065591` `1179718`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,776 sqft Gross Area
1st Floor Area	1,024 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Lot Area	16,980 sqft (0.389 acres)
Garage Area	768 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1179718
Street Address	4525 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0017 BLOCK:007 SERIAL #
Legal Subdivision	LAKESIDE GARDENS
Legal Block	7
Legal Lot Number	17
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4000
Census Tract	600

Owner

Source: St. Louis County assessment roll, 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	2 Individual Names on File
Mailing Address	4525 OAKLEY ST, DULUTH, MN 55804-1229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 29, 2019	Warranty Deed, Transfer · Conventional with PMI ALERUS MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 6, 2025 · Amount on Record
Deed Sale	Mar 6, 2025 · Amount on Record
Prior Sale	Jan 29, 2019 · Amount on Record
Deed Document Number	20251088090
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4525 OAKLEY ST, DULUTH, MN 55804-1229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001006967
Date	Jan 15, 2019
Instrument	1006967

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 29, 2019
Property Address	4525 OAKLEY ST, DULUTH, MN 55804-1229
Document Number	00T1007370
Instrument Date	Jan 28, 2019
Instrument	T1007370
Transaction Type	Transfer
Record Updated	Feb 11, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$866.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4525 OAKLEY ST DULUTH MN 558041229, DULUTH, MN 55804-1229

Mortgage

Document Number	T1007373
Date	Jan 29, 2019
Instrument	T1007373

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 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	$5,102.00 (+6.96%) Homeowner's exemption
2025		$382,700 (+6.25%) Land $75,200 Building $307,500	$382,700 (+6.25%) Land $75,200 Building $307,500
2024	$4,770.00	$360,200 (+17.21%) Land $72,500 Building $287,700	$360,200 (+17.21%) Land $72,500 Building $287,700
2022		$307,300 Land $55,800 Building $251,500	$307,300 Land $55,800 Building $251,500

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