124 W 7th St, Duluth, MN 55806 Property Records

St. Louis County property record for 124 W 7th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 934 sqft · built 1917
Lot Size	0.107 acres (4,675 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Mar 2014)
Tax Bill	$2,566 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1350-00130`

Property Details

APN / Parcel Number

Primary APN	`010-1350-00130`
Alternative APN	`1089217`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	934 sqft Gross Area
1st Floor Area	538 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	4,675 sqft (0.107 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	50 sqft
Deck Area	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1089217
Street Address	124 W 7TH ST
City	DULUTH
State	MN
Zip	55806-2510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 16 2/3 FT OF LOT 28 AND E 16 2/3 FT OFLOT 30 SERIAL #
Legal Subdivision	DULUTH PROPER THIRD DIVISION
Legal Block	79
Legal Lot Number	28,30
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2005
Census Tract	1800

Owner

124 W 7th St is owned by an individual who acquired it in April 2020.

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	23 W CENTRAL ENTRANCE PMB # 220 # 220, 220, DULUTH, MN 55811
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Quit Claim Deed, Transfer MEMBERS COOPERATIVE CU
Apr 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage THINK MUTUAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2014 · Amount on File
Deed Sale	Mar 26, 2014 · Amount on File
Deed Document Number	20141235055
Last Transfer Date	Apr 29, 2020
Transfer Doc	00A1379034
Record Updated	Sep 20, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 5, 2020
Property Address	124 W 7TH ST, DULUTH, MN 55806-2510
Document Number	00A1379034
Instrument Date	Apr 29, 2020
Instrument	A1379034
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	124 W 7TH ST DULUTH MN 558062510, DULUTH, MN 55806-2510

Mortgage

Document Number	A1379035
Date	May 5, 2020
Instrument	A1379035

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 4, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	124 W 7TH ST, DULUTH, MN 55806-2510
Document Number	00A1307728
Instrument Date	Apr 8, 2017
Transaction Type	Mortgage
Record Updated	May 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 W 7TH ST DULUTH MN 558062510, DULUTH, MN 55806-2510

Mortgage

Document Number	00A1307728
Date	Apr 20, 2017
Instrument	A1307728

Lender

Name	THINK MUTUAL BK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 19, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 124 W 7th St was $2,566, up 8.9% from the year before.

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	$2,566.00 (+8.91%)
2025	$2,356.00 (+5.46%)	$191,800 (+12.49%) Land $55,800 Building $136,000	$191,800 (+12.49%) Land $55,800 Building $136,000
2024	$2,234.00	$170,500 Land $54,100 Building $116,400	$170,500 Land $54,100 Building $116,400
2022		$145,800 Land $49,000 Building $96,800	$145,800 Land $49,000 Building $96,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 124 W 7th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 124 W 7th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber, AT&T, Fidium Fiber.

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