13111 W 7th St, Duluth, MN 55808 Property Records

St. Louis County property record for 13111 W 7th St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,010 sqft · built 1891
Lot Size	0.441 acres (19,214 sqft)
Owner	2 Individual Names on File
Last Sale	$406,000 (Nov 2024)
Tax Bill	$4,974 (2026)
Deeds & Mortgages	May 2021 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`010-1650-01280`

Property Details

APN / Parcel Number

Primary APN	`010-1650-01280`
Alternative APNs	`1174735` `6267`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,010 sqft Gross Area
1st Floor Area	1,483 sqft
Basement Area	439 sqft
Finished Basement	439 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1977
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	19,214 sqft (0.441 acres)
Garage Area	1,782 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	390 sqft
Deck Area	512 sqft
Storage Building	156 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1174735
Street Address	13111 W 7TH ST
City	DULUTH
State	MN
Zip	55808-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 70 THRU 76 EVEN NUMBERED LOTS SERIAL #
Legal Subdivision	FOND DU LAC SEVENTH STREET DUL
Legal Lot Number	70-76
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3021
Census Tract	3800

Owner

13111 W 7th St is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	13111 W 7TH ST, DULUTH, MN 55808-2412
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/CMRC
Jul 21, 2017	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2024 · Amount on File
Deed Sale	Nov 21, 2024 · Amount on File
Prior Sale	Nov 14, 2024 · Amount on File
Deed Document Number	20241499692
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	13111 W 7TH ST, DULUTH, MN 55808-2412
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001040679
Date	May 14, 2021
Instrument	1040679

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 10, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	13111 W 7TH ST, DULUTH, MN 55808-2412
Document Number	00T1027788
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13111 W 7TH ST DULUTH MN 558082412, DULUTH, MN 55808-2412

Mortgage

Document Number	00T1027788
Date	Aug 21, 2020
Instrument	T1027788

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	13111 W 7TH ST, DULUTH, MN 55808-2412
Document Number	000T987768
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	13111 W 7TH ST DULUTH MN 558082412, DULUTH, MN 55808-2412

Mortgage

Document Number	000T987768
Date	Jul 27, 2017
Instrument	T987768

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 26, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 13111 W 7th St was $4,974 with a homeowner's exemption, up 14% 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	$4,974.00 (+13.98%) Homeowner's exemption
2025	$4,364.00 (-3.11%) Homeowner's exemption	$382,900 (+15.19%) Land $28,200 Building $354,700	$382,900 (+15.19%) Land $28,200 Building $354,700
2024	$4,504.00	$332,400 Land $27,800 Building $304,600	$332,400 Land $27,800 Building $304,600
2022		$219,200 Land $23,500 Building $195,700	$219,200 Land $23,500 Building $195,700

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

Flood

FEMA maps place 13111 W 7th St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 13111 W 7th St is low, with 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 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 53 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

Cell Coverage

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

Nearby Properties on W 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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