4915 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4915 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,152 sqft · built 1965
Lot Size	0.2 acres (8,750 sqft)
Owner	Individual Name on File
Last Sale	$330,500 (Aug 2023)
Tax Bill	$4,376 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-11270`

Property Details

APN / Parcel Number

Primary APN	`010-0790-11270`
Alternative APNs	`1066344` `1152962`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,152 sqft Gross Area
1st Floor Area	1,152 sqft
Basement Area	768 sqft
Finished Basement	768 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,750 sqft (0.2 acres)
Garage Type	Basement
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	224 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1152962
Street Address	4915 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1084 AND 1085 AND ELY 1/2 OF LOT1086 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION
Legal Block	81
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4000
Census Tract	600

Owner

4915 Oakley St is owned and occupied by an individual who bought it in August 2023.

Source: St. Louis County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4915 OAKLEY ST, DULUTH, MN 55804-1236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Aug 14, 2023	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Feb 13, 2019	Warranty Deed, Transfer · Conventional Mortgage MID MINNESOTA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2023 · Amount on File
Deed Sale	Aug 14, 2023 · Amount on File
Prior Sale	Feb 13, 2019 · Amount on File
Deed Document Number	20231071158
Prior Transfer Date	Nov 1, 2005
Prior Transfer Doc	0000844020
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4915 OAKLEY ST, DULUTH, MN 55804-1236
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4915 OAKLEY ST, DULUTH, MN 55804-1236

Mortgage

Document Number	0001095231
Date	Oct 16, 2025
Instrument	1095231

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Aug 1, 2054

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 14, 2023
Property Address	4915 OAKLEY ST, DULUTH, MN 55804-1236
Document Number	0001071158
Instrument Date	Aug 9, 2023
Instrument	1071158
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,090.65
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4915 OAKLEY ST, DULUTH, MN 55804-1236

Mortgage

Document Number	0001071159
Date	Aug 14, 2023
Instrument	1071159

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 13, 2019
Property Address	4915 OAKLEY ST, DULUTH, MN 55804-1236
Document Number	0001007866
Instrument Date	Feb 6, 2019
Instrument	1007866
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	4915 OAKLEY ST, DULUTH, MN 55804-1236
Investor	Possibly a Property Investor

Mortgage

Document Number	0001007867
Date	Feb 13, 2019
Instrument	1007867

Lender

Name	MID MINNESOTA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4915 Oakley St was $4,376 with a homeowner's exemption, up 7.2% from the year before.

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	$4,376.00 (+7.2%) Homeowner's exemption
2025	$4,082.00 (+19.57%) Homeowner's exemption	$333,700 (+6.44%) Land $52,700 Building $281,000	$333,700 (+6.44%) Land $52,700 Building $281,000
2024	$3,414.00 (+5.5%)	$313,500 Land $50,800 Building $262,700	$313,500 Land $50,800 Building $262,700
2023	$3,236.00 Homeowner's exemption
2022		$229,800 (+22.76%) Land $39,100 Building $190,700	$229,800 (+22.76%) Land $39,100 Building $190,700
2021		$187,200 Land $32,300 Building $154,900	$187,200 Land $32,300 Building $154,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4915 Oakley St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 4915 Oakley St is low, with a 0.01% annual chance of 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 339 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: Verizon.

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