4809 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4809 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,278 sqft · built 1949
Lot Size	0.389 acres (16,980 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Oct 2023)
Tax Bill	$3,954 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Feb 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`010-2780-00600`

Property Details

APN / Parcel Number

Primary APN	`010-2780-00600`
Alternative APNs	`1155943` `995631`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,278 sqft Gross Area
1st Floor Area	918 sqft
Basement Area	360 sqft
Finished Basement	360 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Lot Area	16,980 sqft (0.389 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	216 sqft
Deck Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1155943
Street Address	4809 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0014 BLOCK:005 SERIAL #
Legal Subdivision	LAKESIDE GARDENS DULUTH
Legal Block	5
Legal Lot Number	14
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	4809 OAKLEY ST, DULUTH, MN 55804-1234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2023 · Amount on Record
Deed Sale	Oct 5, 2023 · Amount on Record
Prior Sale	Sep 1, 2015 · Amount on Record
Deed Document Number	20231073115
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 5, 2023
Property Address	4809 OAKLEY ST, DULUTH, MN 55804-1234
Document Number	0001073115
Instrument Date	Sep 29, 2023
Instrument	1073115
Transaction Type	Transfer
Record Updated	Nov 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$973.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4809 OAKLEY ST, DULUTH, MN 55804-1234
Investor	Possibly a Property Investor

Mortgage

Document Number	0001073116
Date	Oct 5, 2023
Instrument	1073116

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4809 OAKLEY ST, DULUTH, MN 55804-1234
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	PIONEER ABSTRACT AND TITLE WI, PIONEER ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036059
Date	Feb 4, 2021
Instrument	1036059

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2041

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	$3,954.00 (+6.98%) Homeowner's exemption
2025	$3,696.00 (+6.7%) Homeowner's exemption	$305,000 (+6.12%) Land $68,800 Building $236,200	$305,000 (+6.12%) Land $68,800 Building $236,200
2024		$287,400 (+17.79%) Land $66,300 Building $221,100	$287,400 (+17.79%) Land $66,300 Building $221,100
2023	$3,464.00 Homeowner's exemption
2022		$244,000 Land $51,100 Building $192,900	$244,000 Land $51,100 Building $192,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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.

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