4912 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4912 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,106 sqft · built 1964
Lot Size	0.208 acres (9,079 sqft)
Owner	Individual Name on Record
Last Sale	$290,312 (May 2023)
Tax Bill	$3,472 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-09595`

Property Details

APN / Parcel Number

Primary APN	`010-0790-09595`
Alternative APNs	`1148893` `93024`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,106 sqft Gross Area
1st Floor Area	1,106 sqft
Basement Area	885 sqft
Finished Basement	885 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Lot Area	9,079 sqft (0.208 acres)
Garage Area	572 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	180 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1148893
Street Address	4912 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 5 FT OF LOT 928 ALL OF LOTS 929 AND930 AND WLY 10 FT OF LOT 931 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	72
Legal Lot Number	928-931
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	Individual Name on Record
Mailing Address	4912 OAKLEY ST, DULUTH, MN 55804-1235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Deed Document Number	20231068499
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 22, 2023
Property Address	4912 OAKLEY ST, DULUTH, MN 55804-1235
Document Number	0001068499
Instrument Date	May 17, 2023
Instrument	1068499
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$958.03
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	4912 OAKLEY ST, DULUTH, MN 55804-1235

Mortgage

Document Number	0001068500
Date	May 22, 2023
Instrument	1068500

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Mortgage

Document Number	0001068501
Date	May 22, 2023
Instrument	1068501

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2033

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	$3,472.00 (+7.23%) Homeowner's exemption
2025	$3,238.00 (+0.68%) Homeowner's exemption	$272,500 (+6.32%) Land $53,600 Building $218,900	$272,500 (+6.32%) Land $53,600 Building $218,900
2024	$3,216.00	$256,300 (+15.87%) Land $51,700 Building $204,600	$256,300 (+15.87%) Land $51,700 Building $204,600
2022		$221,200 Land $39,800 Building $181,400	$221,200 Land $39,800 Building $181,400

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	None beyond ember reach

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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