514 E Oxford St, Duluth, MN 55803 Property Records

St. Louis County property record for 514 E Oxford St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,425 sqft · built 1920
Lot Size	0.146 acres (6,364 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Oct 2020)
Tax Bill	$3,670 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Oct 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00750`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00750`
Alternative APN	`1098612`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,425 sqft Gross Area
1st Floor Area	814 sqft
Basement Area	407 sqft
Finished Basement	407 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	6,364 sqft (0.146 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	268 sqft
Deck Area	24 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1098612
Street Address	514 E OXFORD ST
City	DULUTH
State	MN
Zip	55803-2140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:007 SERIAL #
Legal Subdivision	MORLEY HEIGHTS OF DULUTH
Legal Block	7
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2021
Census Tract	500

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	514 E OXFORD ST, DULUTH, MN 55803-2140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Oct 17, 2017	Warranty Deed, Transfer · Conventional with PMI MORTGAGE LENDING SVCS
Apr 26, 2017	Grant Deed, Transfer WEST TITLE COMPANY
Jan 23, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on Record
Deed Sale	Oct 22, 2020 · Amount on Record
Prior Sale	Oct 17, 2017 · Amount on Record
Deed Document Number	20201030897
Last Transfer Date	Nov 7, 2024
Transfer Doc	0001084875
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 22, 2020
Property Address	514 E OXFORD ST, DULUTH, MN 55803-2140
Document Number	00T1030897
Instrument Date	Sep 30, 2020
Instrument	T1030897
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$756.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 E OXFORD ST DULUTH MN 558032140, DULUTH, MN 55803-2140

Mortgage

Document Number	T1030898
Date	Oct 22, 2020
Instrument	T1030898

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 17, 2017
Property Address	514 E OXFORD ST, DULUTH, MN 55803-2140
Document Number	000T990973
Instrument Date	Oct 16, 2017
Instrument	T990973
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	514 E OXFORD ST DULUTH MN 558032140, DULUTH, MN 55803-2140

Mortgage

Document Number	T990974
Date	Oct 17, 2017
Instrument	T990974

Lender

Name	MORTGAGE LENDING SVCS
Type	Mortgage Company
Address	PLYMOUTH, MN 55447

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2047

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 26, 2017
Property Address	514 E OXFORD ST, DULUTH, MN 55803-2140
Document Number	000T984310
Instrument Date	Apr 24, 2017
Instrument	T984310
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	WEST TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16259 JUNLATE ST NW RAMSEY MN 55303, RAMSEY, MN 55303

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 23, 2017
Property Address	514 E OXFORD ST, DULUTH, MN 55803-2140
Document Number	000T981275
Instrument Date	May 29, 2013
Instrument	T981275
Transaction Type	Transfer
Record Updated	Feb 10, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

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	$3,670.00 (+4.74%) Homeowner's exemption
2025	$3,504.00 (-1.85%) Homeowner's exemption	$291,800 (+6.38%) Land $44,900 Building $246,900	$291,800 (+6.38%) Land $44,900 Building $246,900
2024	$3,570.00	$274,300 (+19.94%) Land $41,800 Building $232,500	$274,300 (+19.94%) Land $41,800 Building $232,500
2022		$228,700 Land $28,700 Building $200,000	$228,700 Land $28,700 Building $200,000

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 Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1997 · Severe Flooding, High Winds,severe Storms

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	Direct burnable vegetation

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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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