St. Louis County property record for 4820 Oakley St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,408 sqft · built 1951 |
| Lot Size | 0.449 acres (19,576 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,646 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit May 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2780-01360 |
| Primary APN | 010-2780-01360 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Gross Area |
| 1st Floor Area | 832 sqft |
| Basement Area | 336 sqft |
| Finished Basement | 336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 19,576 sqft (0.449 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Deck Area | 80 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 1075338 |
|---|---|
| Street Address | 4820 OAKLEY ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0001 BLOCK:010 SERIAL # |
| Legal Subdivision | LAKESIDE GARDENS DULUTH |
| Legal Block | 10 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-2780-01360
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 | Individual Name on File |
|---|---|
| Mailing Address | 6192 BERGQUIST RD, DULUTH, MN 55804-8614 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 04, 2022 | Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE |
| May 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE |
| Sep 21, 2020 | Loan Modification, Mortgage · Conventional Mortgage NATIONAL BK/CMRC |
| Sep 26, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage REPUBLIC BK |
| Aug 07, 2019 | Grant Deed, Transfer TITLE ONE |
| Apr 02, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Nov 06, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4820 OAKLEY ST, DULUTH, MN 55804 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001056204 |
|---|---|
| Date | May 04, 2022 |
| Instrument | 1056204 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 02, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4820 OAKLEY ST, DULUTH, MN 55804 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | ST LOUIS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001040760 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 1040760 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4820 OAKLEY ST, DULUTH, MN 55804 |
| Document Number | 00T1030001 |
| Instrument Date | Sep 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4820 OAKLEY ST DULUTH MN 55804, DULUTH, MN 55804 |
| Document Number | 00T1030001 |
|---|---|
| Date | Oct 06, 2020 |
| Instrument | T1030001 |
| Name | NATIONAL BK/CMRC |
|---|---|
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 05, 2021 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 26, 2019 |
| Property Address | 4820 OAKLEY ST, DULUTH, MN 55804 |
| Instrument Date | Sep 19, 2019 |
| Instrument | T1015475 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 08, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4822 OAKLEY ST DULUTH MN 558041233, DULUTH, MN 55804-1233 |
| Document Number | 00T1015475 |
|---|---|
| Date | Sep 26, 2019 |
| Instrument | T1015475 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 25, 2020 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 07, 2019 |
| Property Address | 4820 OAKLEY ST, DULUTH, MN 55804 |
| Document Number | 00T1013360 |
| Instrument Date | Jun 24, 2019 |
| Instrument | T1013360 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2019 |
| Title Company | TITLE ONE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6192 BERGQUIST RD DULUTH MN 558048614, DULUTH, MN 55804-8614 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 02, 2019 |
| Property Address | 4820 OAKLEY ST, DULUTH, MN 55804 |
| Document Number | 0001009044 |
| Instrument Date | Mar 08, 2019 |
| Instrument | 1009044 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 06, 2018 |
| Property Address | 4820 OAKLEY ST, DULUTH, MN 55804 |
| Document Number | 00T1004691 |
| Instrument Date | Oct 29, 2018 |
| Instrument | T1004691 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $130.68 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4822 OAKLEY ST DULUTH MN 558041233, DULUTH, MN 55804-1233 |
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 | $5,646.00 (+6.53%) | ||
| 2025 | $5,300.00 (+4.54%) | $410,600 (+6.29%) Land $82,400 Building $328,200 | $410,600 (+6.29%) Land $82,400 Building $328,200 |
| 2024 | $5,070.00 | $386,300 (+17.88%) Land $79,500 Building $306,800 | $386,300 (+17.88%) Land $79,500 Building $306,800 |
| 2022 | $327,700 Land $61,100 Building $266,600 | $327,700 Land $61,100 Building $266,600 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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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