4919 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4919 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 864 sqft · built 1977
Lot Size	0.16 acres (7,000 sqft)
Owner	Company Name on Record
Last Sale	$167,000 (Mar 2021)
Tax Bill	$3,932 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-11250`

Property Details

APN / Parcel Number

Primary APN	`010-0790-11250`
Alternative APNs	`1121566` `1195296` `961822`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	432 sqft
Finished Basement	432 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	80 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1195296
Street Address	4919 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1082 AND 1083 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION 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 September 22, 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	4919 OAKLEY ST, DULUTH, MN 55804-1236
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Dec 8, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage NORTH SHORE BANK OF COMMERCE
Mar 12, 2021	Warranty Deed, Transfer · Line of Credit NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2021 · Amount on Record
Deed Sale	Mar 12, 2021 · Amount on Record
Prior Sale	Apr 28, 2009 · Amount on Record
Deed Document Number	20211037769
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4919 OAKLEY ST, DULUTH, MN 55804-1236
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ARROW ABSTRACT, ARROWHEAD ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5025 TIOGA ST, DULUTH, MN 55804-1663

Mortgage

Document Number	0001099638
Date	Mar 10, 2026
Instrument	1099638

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55442

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4919 OAKLEY ST, DULUTH, MN 55804-1236
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001050572
Date	Dec 8, 2021
Instrument	1050572

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4919 OAKLEY ST, DULUTH, MN 55804-1236
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	ARROWHEAD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001050573
Date	Dec 8, 2021
Instrument	1050573

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 12, 2021
Property Address	4919 OAKLEY ST, DULUTH, MN 55804-1236
Document Number	0001037769
Instrument Date	Mar 5, 2021
Instrument	1037769
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$551.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 E 4TH ST, DULUTH, MN 55805-3895

Mortgage

Document Number	0001037770
Date	Mar 12, 2021
Instrument	1037770

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	9 Months
Due	Dec 5, 2021

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	$3,932.00 (+56.53%)
2025	$2,512.00 (-24.06%) Homeowner's exemption	$285,200 (+6.46%) Land $46,000 Building $239,200	$285,200 (+6.46%) Land $46,000 Building $239,200
2024	$3,308.00	$267,900 (+18.28%) Land $44,300 Building $223,600	$267,900 (+18.28%) Land $44,300 Building $223,600
2022		$226,500 Land $34,100 Building $192,400	$226,500 Land $34,100 Building $192,400

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	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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