5325 Oakley St, Duluth, MN 55804 Property Records

St. Louis County property record for 5325 Oakley St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 628 sqft · built 1922
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Aug 2026)
Tax Bill	$1,812 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-10540`

Property Details

APN / Parcel Number

Primary APN	`010-0790-10540`
Alternative APNs	`1162750` `864730` `23236`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	628 sqft Gross Area
1st Floor Area	628 sqft
Basement Area	314 sqft
Finished Basement	314 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	288 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	84 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1162750
Street Address	5325 OAKLEY ST
City	DULUTH
State	MN
Zip	55804-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1013 AND 1014 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	77
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3008
Census Tract	200

Owner

Source: St. Louis County records, as of September 2, 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	5325 OAKLEY ST, DULUTH, MN 55804-1322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FEDERAL CREDIT UNION
Feb 28, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 25, 2022	Warranty Deed, Transfer · Line of Credit SUPERIOR CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2026 · Amount on Record
Deed Sale	Aug 24, 2026 · Amount on Record
Prior Sale	Feb 28, 2024 · Amount on Record
Deed Document Number	20261105203
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2026
Property Address	5325 OAKLEY ST, DULUTH, MN 55804-1322
Document Number	0001105203
Instrument Date	Jul 24, 2026
Instrument	20261105203
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,993.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 OAKLEY ST, DULUTH, MN 55804-1322

Mortgage

Document Number	0001105204,
Date	Aug 24, 2026
Instrument	20261105204

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 28, 2024
Property Address	5325 OAKLEY ST, DULUTH, MN 55804-1322
Document Number	0001077209
Instrument Date	Feb 27, 2024
Instrument	1077209
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 OAKLEY ST, DULUTH, MN 55804-1322

Mortgage

Document Number	0001077210
Date	Feb 28, 2024
Instrument	1077210

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 25, 2022
Property Address	5325 OAKLEY ST, DULUTH, MN 55804-1322
Document Number	0001062787
Instrument Date	Oct 20, 2022
Instrument	1062787
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	NOT AVAILABLE, PIONEER TITLE TWIN PORTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4202 E SUPERIOR ST, DULUTH, MN 55804-2176

Mortgage

Document Number	0001062788
Date	Oct 25, 2022
Instrument	1062788

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 10, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,812.00 (+24.79%) Homeowner's exemption
2025	$1,452.00 (-22.68%) Homeowner's exemption	$160,300 (+18.65%) Land $47,800 Building $112,500	$160,300 (+18.65%) Land $47,800 Building $112,500
2024		$135,100 (+8.95%) Land $46,200 Building $88,900	$135,100 (+8.95%) Land $46,200 Building $88,900
2023	$1,878.00
2022		$124,000 Land $35,500 Building $88,500	$124,000 Land $35,500 Building $88,500

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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