St. Louis County property record for 4840 Oakley St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.75 ba · 1,581 sqft · built 1969 |
| Lot Size | 0.16 acres (6,975 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Nov 2020) |
| Tax Bill | $4,608 (2026) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Aug 2020 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0790-09530 |
| Primary APN | 010-0790-09530 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,581 sqft Gross Area |
| 1st Floor Area | 1,139 sqft |
| Basement Area | 342 sqft |
| Finished Basement | 342 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,975 sqft (0.16 acres) |
| Garage Area | 672 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 527 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1100067 |
|---|---|
| Street Address | 4840 OAKLEY ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 922 AND 923 SERIAL # |
| Legal Subdivision | CROSLEY PARK ADD TO DULUTH |
| Legal Block | 71 |
| Legal Lot Number | 922-923 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-0790-09530
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 | 4840 OAKLEY ST, DULUTH, MN 55804-1235 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage BAXTER CU |
| Aug 04, 2020 | Deed of Trust, Construction Loan · Construction Mortgage BAXTER CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 17, 2020 · Amount on Record |
| Deed Sale | Nov 17, 2020 · Amount on Record |
| Prior Sale | Dec 14, 2006 · Amount on Record |
| Deed Document Number | 20201032287 |
| Last Transfer Date | Feb 27, 2025 |
| Transfer Doc | 0001088805 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Nov 17, 2020 |
| Property Address | 4840 OAKLEY ST, DULUTH, MN 55804-1235 |
| Document Number | 00T1032287 |
| Instrument Date | Nov 10, 2020 |
| Instrument | T1032287 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $891.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4840 OAKLEY ST DULUTH MN 558041235, DULUTH, MN 55804-1235 |
| Document Number | T1032288 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | T1032288 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 16, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 04, 2020 |
| Property Address | 4840 OAKLEY ST, DULUTH, MN 55804-1235 |
| Document Number | 00T1026899 |
| Instrument Date | Jul 09, 2020 |
| Instrument | T1026899 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 22, 2020 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4840 OAKLEY ST DULUTH MN 558041235, DULUTH, MN 55804-1235 |
| Document Number | 00T1026899 |
|---|---|
| Date | Aug 04, 2020 |
| Instrument | T1026899 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 03, 2021 |
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 | $4,608.00 (+7.31%) Homeowner's exemption | ||
| 2025 | $4,294.00 (-2.81%) Homeowner's exemption | $348,900 (+6.44%) Land $47,700 Building $301,200 | $348,900 (+6.44%) Land $47,700 Building $301,200 |
| 2024 | $4,418.00 | $327,800 (+11.69%) Land $46,000 Building $281,800 | $327,800 (+11.69%) Land $46,000 Building $281,800 |
| 2022 | $293,500 Land $35,400 Building $258,100 | $293,500 Land $35,400 Building $258,100 |
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 | None beyond ember reach |
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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