4923 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 4923 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 960 sqft · built 1973
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$302,500 (Jun 2022)
Tax Bill	$3,896 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-11230`

Property Details

APN / Parcel Number

Primary APN	`010-0790-11230`
Alternative APN	`1132590`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	960 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	12 sqft
Deck Area	60 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1132590
Street Address	4923 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1080 AND 1081 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	4923 OAKLEY ST, DULUTH, MN 55804-1236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR CHOICE CU
Apr 2, 2018	Warranty Deed, Transfer · Conventional with PMI SUPERIOR CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Prior Sale	Apr 2, 2018 · Amount on Record
Deed Document Number	20221058286
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 29, 2022
Property Address	4923 OAKLEY ST, DULUTH, MN 55804-1236
Document Number	0001058286
Instrument Date	Jun 27, 2022
Instrument	1058286
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$998.25
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	4923 OAKLEY ST, DULUTH, MN 55804-1236

Mortgage

Document Number	0001058287
Date	Jun 29, 2022
Instrument	1058287

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 2, 2018
Property Address	4923 OAKLEY ST, DULUTH, MN 55804-1236
Document Number	000T996494
Instrument Date	Mar 13, 2018
Instrument	T996494
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$643.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4923 OAKLEY ST DULUTH MN 558041236, DULUTH, MN 55804-1236

Mortgage

Document Number	T996495
Date	Apr 2, 2018
Instrument	T996495

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

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	$3,896.00 (+7.33%) Homeowner's exemption
2025	$3,630.00 (+0.95%) Homeowner's exemption	$301,100 (+6.43%) Land $47,800 Building $253,300	$301,100 (+6.43%) Land $47,800 Building $253,300
2024	$3,596.00	$282,900 (+18.42%) Land $46,200 Building $236,700	$282,900 (+18.42%) Land $46,200 Building $236,700
2022		$238,900 Land $35,500 Building $203,400	$238,900 Land $35,500 Building $203,400

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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