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

St. Louis County property record for 20 W 7th St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 2 ba · 1,992 sqft · built 1893
Lot Size	0.16 acres (7,004 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Aug 2026)
Tax Bill	$3,858 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`010-1060-00120`

Property Details

APN / Parcel Number

Primary APN	`010-1060-00120`
Alternative APNs	`1171455` `865865`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,992 sqft Gross Area
1st Floor Area	1,152 sqft
Basement Area	288 sqft
Finished Basement	288 sqft

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,004 sqft (0.16 acres)
Garage Type	Detached
Garage Area	864 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1171455
Street Address	20 W 7TH ST
City	DULUTH
State	MN
Zip	55806-2508
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	INC LOT 10 BLK 80 DULUTH PROPER 3RD DIV SERIAL #
Legal Subdivision	DULUTH PROPER THIRD DIVISION
Legal Block	80
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3000
Census Tract	1800

Owner

20 W 7th St, a residential property, is owned and occupied by two individuals who bought it in August 2026.

Source: St. Louis County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 W 7TH ST, DULUTH, MN 55806-2508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Aug 12, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL COMMERCE BANK
Oct 9, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2026 · Amount on File
Deed Sale	Aug 12, 2026 · Amount on File
Prior Sale	Sep 11, 2024 · Amount on File
Deed Document Number	20261538385
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 12, 2026
Property Address	20 W 7TH ST, DULUTH, MN 55806-2508
Document Number	0001538385
Instrument Date	Aug 4, 2026
Instrument	20261538385
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132,986.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20 W 7TH ST, DULUTH, MN 55806-2508

Mortgage

Document Number	0001538386,
Date	Aug 12, 2026
Instrument	20261538386

Lender

Name	NATIONAL COMMERCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

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

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 9, 2019
Property Address	20 W 7TH ST, DULUTH, MN 55806-2508
Document Number	00A1365016
Instrument Date	Sep 23, 2019
Instrument	A1365016
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	22 W 7TH ST DULUTH MN 558062508, DULUTH, MN 55806-2508

Tax Assessment & Valuation

The 2026 property tax bill for 20 W 7th St was $3,858 with a homeowner's exemption, up 9.9% 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	$3,858.00 (+9.91%) Homeowner's exemption
2025	$3,510.00 (+2.93%) Homeowner's exemption	$303,100 (+12.68%) Land $83,500 Building $219,600	$303,100 (+12.68%) Land $83,500 Building $219,600
2024	$3,410.00	$269,000 Land $81,000 Building $188,000	$269,000 Land $81,000 Building $188,000
2022		$229,800 Land $73,400 Building $156,400	$229,800 Land $73,400 Building $156,400

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

Flood

FEMA maps place 20 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	1 in force
Nearby Flood Claims	2 (1979)
Most Recent Claim	Dec 1979 · 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

Wildfire risk around 20 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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