5220 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 5220 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,214 sqft · built 1958
Lot Size	0.242 acres (10,564 sqft)
Owner	Individual Name on Record
Last Sale	$3,000 (Mar 2021)
Tax Bill	$4,470 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-10230`

Property Details

APN / Parcel Number

Primary APN	`010-0790-10230`
Alternative APN	`1090823`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,214 sqft Gross Area
1st Floor Area	1,214 sqft
Basement Area	882 sqft
Finished Basement	882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	10,564 sqft (0.242 acres)
Garage Area	420 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	32 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1090823
Street Address	5220 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 982 983 AND 984 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION
Legal Block	75
Legal Lot Number	982-983
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3014
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	5220 OAKLEY ST, DULUTH, MN 55804-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jun 15, 2020	Grant Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE
Nov 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Jun 15, 2020 · Amount on Record
Deed Document Number	20211038523
Prior Transfer Date	Mar 16, 2021
Prior Transfer Doc	00T1038523
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Mar 30, 2021
Property Address	5220 OAKLEY ST, DULUTH, MN 55804-1319
Document Number	0001038523
Instrument Date	Mar 16, 2021
Instrument	1038523
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 OAKLEY ST, DULUTH, MN 55804-1319

Mortgage

Document Number	0001038524
Date	Mar 30, 2021
Instrument	1038524

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 15, 2020
Property Address	5220 OAKLEY ST, DULUTH, MN 55804-1319
Document Number	00T1024497
Instrument Date	Jun 2, 2020
Instrument	T1024497
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
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	5220 OAKLEY ST DULUTH MN 558041319, DULUTH, MN 55804-1319

Mortgage

Document Number	T1024498
Date	Jun 15, 2020
Instrument	T1024498

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 27, 2019
Property Address	5220 OAKLEY ST, DULUTH, MN 55804-1319
Document Number	00A1017978
Instrument Date	Dec 28, 2012
Instrument	A1017978
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5220 OAKLEY ST DULUTH MN 558041319, DULUTH, MN 55804-1319

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	$4,470.00 (+7.19%) Homeowner's exemption
2025	$4,170.00 (-8.31%) Homeowner's exemption	$339,700 (+6.32%) Land $57,600 Building $282,100	$339,700 (+6.32%) Land $57,600 Building $282,100
2024	$4,548.00	$319,500 (+5.94%) Land $55,600 Building $263,900	$319,500 (+5.94%) Land $55,600 Building $263,900
2022		$301,600 Land $42,800 Building $258,800	$301,600 Land $42,800 Building $258,800

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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