St. Louis County property record for 4525 Oakley St, Duluth, MN 55804
| 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 |
| Primary APN | 010-2780-01030 |
|---|---|
| Alternative APNs |
|
| 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 |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| 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 |
Source: St. Louis County records · APN 010-2780-01030
Assessment roll updated 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4525 OAKLEY ST, DULUTH, MN 55804-1229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| 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 |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 06, 2025 · Amount on Record |
| Deed Sale | Mar 06, 2025 · Amount on Record |
| Prior Sale | Jan 29, 2019 · Amount on Record |
| Deed Document Number | 20251088090 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4525 OAKLEY ST, DULUTH, MN 55804-1229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0001006967 |
|---|---|
| Date | Jan 15, 2019 |
| Instrument | 1006967 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| 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 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $866.25 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4525 OAKLEY ST DULUTH MN 558041229, DULUTH, MN 55804-1229 |
| Document Number | T1007373 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | T1007373 |
| Name | ALERUS MTG |
|---|---|
| Type | Mortgage Company |
| Address | MINNETONKA, MN 55305 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 28, 2049 |
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 | $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 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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.
Based on FCC filings for 424 locations within half a mile of this property.
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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