5226 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 5226 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 864 sqft · built 2001
Lot Size	0.161 acres (7,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$374,900 (May 2026)
Tax Bill	$4,704 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-10260`

Property Details

APN / Parcel Number

Primary APN	`010-0790-10260`
Alternative APNs	`1197145` `789974`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	648 sqft
Finished Basement	648 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	7,045 sqft (0.161 acres)
Garage Area	352 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	40 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1197145
Street Address	5226 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 985 AND 986 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION TO DULUTH
Legal Block	75
Legal Lot Number	985-986
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	2 Individual Names on Record
Mailing Address	5226 OAKLEY ST, DULUTH, MN 55804-1319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Deed Document Number	20261101293
Prior Transfer Date	Aug 23, 2005
Prior Transfer Doc	0000816759
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 8, 2026
Property Address	5226 OAKLEY ST, DULUTH, MN 55804-1319
Document Number	0001101293
Instrument Date	May 8, 2026
Instrument	2026.1101293
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124,954.17
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5226 OAKLEY ST, DULUTH, MN 55804-1319

Mortgage

Document Number	0001101294,
Date	May 8, 2026
Instrument	2026.1101294

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

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	$4,704.00 (+6.81%)
2025	$4,404.00 (+5.87%)	$341,400 (+6.49%) Land $48,000 Building $293,400	$341,400 (+6.49%) Land $48,000 Building $293,400
2024	$4,160.00	$320,600 (+18.83%) Land $46,300 Building $274,300	$320,600 (+18.83%) Land $46,300 Building $274,300
2022		$269,800 Land $35,600 Building $234,200	$269,800 Land $35,600 Building $234,200

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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