4834 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4834 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Lot Size	0.133 acres (5,824 sqft)
Owner	Company Name on Record
Tax Bill	$218 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-09490`

Property Details

APN / Parcel Number

Primary APN	`010-0790-09490`
Alternative APN	`102139`

Exterior

Lot Area	5,824 sqft (0.133 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	102139
Street Address	4834 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0918 BLOCK:071 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION
Legal Block	71
Legal Lot Number	918
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4002
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	Company Name on Record
Mailing Address	4834 OAKLEY ST, DULUTH, MN 55804-1235
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CREDIT UNION
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
May 9, 2017	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 3, 2019
Transfer Doc	0001360939
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 16, 2026
Property Address	4834 OAKLEY ST, DULUTH, MN 55804-1235
Document Number	0001106016
Instrument Date	Jul 10, 2026
Instrument	20261106016
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212

Mortgage

Document Number	0001106016,
Date	Sep 16, 2026
Instrument	20261106016

Lender

Name	NORTHERN COMMUNITIES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 10, 2041

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4834 OAKLEY ST, DULUTH, MN 55804-1235
Transaction Type	Mortgage
Record Updated	Oct 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001060706
Date	Aug 31, 2022
Instrument	1060706

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4834 OAKLEY ST, DULUTH, MN 55804-1235
Document Number	000T988722
Instrument Date	May 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 31, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4834 OAKLEY ST DULUTH MN 558041235, DULUTH, MN 55804-1235

Mortgage

Document Number	000T988722
Date	Aug 17, 2017
Instrument	T988722

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 16, 2032

Interest

Rate Type	Adjustable Rate

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	$218.00 (+2.83%) Homeowner's exemption
2025	$212.00 (+16.48%) Homeowner's exemption	$16,100 (+3.87%) Land $16,100	$16,100 (+3.87%) Land $16,100
2024	$182.00	$15,500 (+30.25%) Land $15,500	$15,500 (+30.25%) Land $15,500
2022		$11,900 Land $11,900	$11,900 Land $11,900

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 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.

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