12815 W 7th St, Duluth, MN 55808 Property Records

St. Louis County property record for 12815 W 7th St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	2 bd · 0.75 ba · 1,926 sqft · built 1949
Lot Size	0.441 acres (19,222 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Dec 2022)
Tax Bill	$280 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-1650-01550`

Property Details

APN / Parcel Number

Primary APN	`010-1650-01550`
Alternative APNs	`1142243` `39537`

Interior

Bedrooms	2 Beds
Full Baths	0.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,926 sqft Gross Area
1st Floor Area	1,926 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Lot Area	19,222 sqft (0.441 acres)
Garage Area	784 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	416 sqft
Storage Building	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1142243
Street Address	12815 W 7TH ST
City	DULUTH
State	MN
Zip	55808-2221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 124 THRU 130 EVEN NUMBERED LOTS SERIAL #
Legal Subdivision	FOND DU LAC SEVENTH STREET DUL
Legal Lot Number	124-130
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3022
Census Tract	3800

Owner

12815 W 7th St is owned and occupied by an individual who bought it in December 2022.

Source: St. Louis County records, as of October 20, 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	12815 W 7TH ST, DULUTH, MN 55808-2221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Dec 19, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2022 · Amount on File
Deed Sale	Dec 19, 2022 · Amount on File
Deed Document Number	20221064637
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	12815 W 7TH ST, DULUTH, MN 55808-2221
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001095954
Date	Nov 6, 2025
Instrument	1095954

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Nov 1, 2054

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 19, 2022
Property Address	12815 W 7TH ST, DULUTH, MN 55808-2221
Document Number	0001064637
Instrument Date	Dec 8, 2022
Instrument	1064637
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12815 W 7TH ST, DULUTH, MN 55808-2221

Mortgage

Document Number	0001064638
Date	Dec 19, 2022
Instrument	1064638

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 12815 W 7th St was $280 with a homeowner's exemption.

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	$280.00 Homeowner's exemption
2025		$321,800 (+10.93%) Land $28,300 Building $293,500	$321,800 (+10.93%) Land $28,300 Building $293,500
2024	$29.00	$290,100 Land $27,900 Building $262,200	$290,100 Land $27,900 Building $262,200
2022	$25.00 (-98.52%) Homeowner's exemption	$152,600 (+22.47%) Land $23,500 Building $129,100	$152,600 (+22.47%) Land $23,500 Building $129,100
2021	$1,692.00	$124,600 Land $19,300 Building $105,300	$124,600 Land $19,300 Building $105,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12815 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

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

Wildfire risk around 12815 W 7th St is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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