4901 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4901 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1973
Lot Size	0.265 acres (11,550 sqft)
Owner	Individual Name on Record
Tax Bill	$2,100 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-11330`

Property Details

APN / Parcel Number

Primary APN	`010-0790-11330`
Alternative APN	`51377`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Gross Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	11,550 sqft (0.265 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	153 sqft
Deck Area	210 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	51377
Street Address	4901 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1090 AND 1091 INC PT OF VAC AVE ADJLOT 1091 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	81
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	4901 OAKLEY ST, DULUTH, MN 55804-1236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · VA Mortgage US BANK NA
Aug 29, 2022	Deed of Trust, Mortgage · VA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4901 OAKLEY ST, DULUTH, MN 55804-1236
Transaction Type	Mortgage
Record Updated	Oct 17, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001060522
Date	Aug 25, 2022
Instrument	1060522

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4901 OAKLEY ST, DULUTH, MN 55804-1236
Transaction Type	Mortgage
Record Updated	Sep 30, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001450845
Date	Aug 29, 2022
Instrument	1450845

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$2,100.00 (+10.53%) Homeowner's exemption
2025	$1,900.00 (+19.5%) Homeowner's exemption	$305,300 (+6.3%) Land $60,500 Building $244,800	$305,300 (+6.3%) Land $60,500 Building $244,800
2024	$1,590.00	$287,200 (+19.92%) Land $58,400 Building $228,800	$287,200 (+19.92%) Land $58,400 Building $228,800
2022		$239,500 Land $44,900 Building $194,600	$239,500 Land $44,900 Building $194,600

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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