5114 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 5114 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 936 sqft · built 1964
Lot Size	0.241 acres (10,533 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (May 2024)
Tax Bill	$3,454 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-10040`

Property Details

APN / Parcel Number

Primary APN	`010-0790-10040`
Alternative APNs	`1113058` `1166247`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	936 sqft Gross Area
1st Floor Area	936 sqft
Basement Area	749 sqft
Finished Basement	749 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	10,533 sqft (0.241 acres)
Garage Area	408 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	216 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1166247
Street Address	5114 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 963 964 AND 965 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	74
Legal Lot Number	963-964
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3015
Census Tract	200

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	5114 OAKLEY ST, DULUTH, MN 55804-1239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 16, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2024 · Amount on Record
Deed Sale	May 20, 2024 · Amount on Record
Prior Sale	Jul 16, 2021 · Amount on Record
Deed Document Number	20241079479
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5114 OAKLEY ST, DULUTH, MN 55804-1239
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5114 OAKLEY ST, DULUTH, MN 55804-1239

Mortgage

Document Number	0001093789
Date	Sep 4, 2025
Instrument	1093789

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SAINT PAUL, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5114 OAKLEY ST, DULUTH, MN 55804-1239
Transaction Type	Mortgage
Record Updated	May 18, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5114 OAKLEY ST, DULUTH, MN 55804-1239

Mortgage

Document Number	0001055652
Date	Apr 19, 2022
Instrument	1055652

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 16, 2021
Property Address	5114 OAKLEY ST, DULUTH, MN 55804-1239
Document Number	0001043884
Instrument Date	Jul 12, 2021
Instrument	1043884
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$696.38
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	5114 OAKLEY ST, DULUTH, MN 55804-1239

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	$3,454.00 (+16.61%) Homeowner's exemption
2025	$2,962.00 (+1.16%) Homeowner's exemption	$271,100 (+14.1%) Land $57,500 Building $213,600	$271,100 (+14.1%) Land $57,500 Building $213,600
2024	$2,928.00	$237,600 (+16.64%) Land $55,500 Building $182,100	$237,600 (+16.64%) Land $55,500 Building $182,100
2022		$203,700 Land $42,700 Building $161,000	$203,700 Land $42,700 Building $161,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	May 1978 · tidal / storm surge

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 612 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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