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

St. Louis County property record for 222 W 7th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Lot Size	0.051 acres (2,255 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Oct 2025)
Tax Bill	$478 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`010-1340-00040`

Property Details

APN / Parcel Number

Primary APN	`010-1340-00040`
Alternative APNs	`1115269` `1190405`

Exterior

Lot Area	2,255 sqft (0.051 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	1190405
Street Address	312 HARBOR POINT CIR
City	DULUTH
State	MN
Zip	55802-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 16 2/3 FT OF LOT 3 SERIAL #
Legal Subdivision	DULUTH PROPER THIRD DIVISION
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2008
Census Tract	1800

Owner

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	312 HARBOR POINT CIR, DULUTH, MN 55802-2414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST
Aug 18, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Aug 18, 2021 · Amount on File
Deed Document Number	20251095704
Prior Transfer Date	Aug 16, 2021
Prior Transfer Doc	0001045489
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 31, 2025
Property Address	222 W 7TH ST, DULUTH, MN 55806-2512
Document Number	0001095704
Instrument Date	Sep 15, 2025
Instrument	1095704
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ARROWHEAD ABSTRACT AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
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
Address	312 HARBOR POINT CIR, DULUTH, MN 55802-2414

Mortgage

Document Number	0001095705
Date	Oct 31, 2025
Instrument	1095705

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.53%
Type Change Date	Dec 1, 2030
Change Frequency	3 Years
Min Rate At Change	6.99%
Max Rate At Change	14.5%
Index	3-Year TN
Max Rate	14.5%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 18, 2021
Property Address	222 W 7TH ST, DULUTH, MN 55806-2512
Document Number	0001045489
Instrument Date	Aug 16, 2021
Instrument	1045489
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	222 W 7TH ST, DULUTH, MN 55806-2512

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	$478.00 (+0.84%) Homeowner's exemption
2025	$474.00 Homeowner's exemption	$35,800 (+3.17%) Land $35,800	$35,800 (+3.17%) Land $35,800
2024	$474.00	$34,700 (+10.16%) Land $34,700	$34,700 (+10.16%) Land $34,700
2022		$31,500 Land $31,500	$31,500 Land $31,500

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 89% 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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