5230 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 5230 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,066 sqft · built 1965
Lot Size	0.242 acres (10,571 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jun 2019)
Tax Bill	$4,030 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-10280`

Property Details

APN / Parcel Number

Primary APN	`010-0790-10280`
Alternative APN	`1102605`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,066 sqft Gross Area
1st Floor Area	1,066 sqft
Basement Area	799 sqft
Finished Basement	799 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	10,571 sqft (0.242 acres)
Garage Area	312 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	400 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1102605
Street Address	5230 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 987 988 AND 989 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	75
Legal Lot Number	987-988
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	5230 OAKLEY ST, DULUTH, MN 55804-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jun 7, 2019	Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/CMRC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Deed Document Number	20191011223
Prior Transfer Date	Mar 4, 2015
Prior Transfer Doc	000T955782
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5230 OAKLEY ST, DULUTH, MN 55804-1319
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036826
Date	Feb 22, 2021
Instrument	1036826

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 7, 2019
Property Address	5230 OAKLEY ST, DULUTH, MN 55804-1319
Document Number	00T1011223
Instrument Date	May 31, 2019
Instrument	T1011223
Transaction Type	Transfer
Record Updated	Jun 18, 2019
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	$742.50
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	PO BOX 209 WAKEFIELD MI 499680209, WAKEFIELD, MI 49968-0209

Mortgage

Document Number	T1011224
Date	Jun 7, 2019
Instrument	T1011224

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2049

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	$4,030.00 (+7.12%) Homeowner's exemption
2025	$3,762.00 (+1.13%) Homeowner's exemption	$310,000 (+6.24%) Land $57,600 Building $252,400	$310,000 (+6.24%) Land $57,600 Building $252,400
2024	$3,720.00	$291,800 (+16.02%) Land $55,600 Building $236,200	$291,800 (+16.02%) Land $55,600 Building $236,200
2022		$251,500 Land $42,800 Building $208,700	$251,500 Land $42,800 Building $208,700

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 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.

Nearby Properties on Oakley St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures