521 E Oxford St, Duluth, MN 55803 Property Records

St. Louis County property record for 521 E Oxford St, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,425 sqft · built 1920
Lot Size	0.172 acres (7,524 sqft)
Owner	Individual Name on Record
Last Sale	$272,000 (Jun 2022)
Tax Bill	$4,292 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00660`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00660`
Alternative APN	`1131136`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,425 sqft Gross Area
1st Floor Area	814 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,524 sqft (0.172 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	152 sqft
Deck Area	25 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1131136
Street Address	521 E OXFORD ST
City	DULUTH
State	MN
Zip	55803-2141
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0010 BLOCK:006 SERIAL #
Legal Subdivision	MORLEY HEIGHTS DULUTH
Legal Block	6
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2022
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	521 E OXFORD ST, DULUTH, MN 55803-2141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Deed Document Number	20221057294
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 3, 2022
Property Address	521 E OXFORD ST, DULUTH, MN 55803-2141
Document Number	0001057294
Instrument Date	May 27, 2022
Instrument	1057294
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$897.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E OXFORD ST, DULUTH, MN 55803-2141

Mortgage

Document Number	0001057295
Date	Jun 3, 2022
Instrument	1057295

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

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	$4,292.00 (+4.73%) Homeowner's exemption
2025	$4,098.00 (+4.7%) Homeowner's exemption	$334,500 (+6.36%) Land $51,000 Building $283,500	$334,500 (+6.36%) Land $51,000 Building $283,500
2024	$3,914.00	$314,500 (+26.66%) Land $47,600 Building $266,900	$314,500 (+26.66%) Land $47,600 Building $266,900
2022		$248,300 Land $32,600 Building $215,700	$248,300 Land $32,600 Building $215,700

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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