2320 W 7th St, Duluth, MN 55806 Property Records

St. Louis County property record for 2320 W 7th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,433 sqft · built 1890
Lot Size	0.12 acres (5,250 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Jan 2018)
Tax Bill	$2,352 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-1220-02940`

Property Details

APN / Parcel Number

Primary APN	`010-1220-02940`
Alternative APN	`1044154`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,433 sqft Gross Area
1st Floor Area	839 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	5,250 sqft (0.12 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	60 sqft
Deck Area	72 sqft
Storage Building	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1044154
Street Address	2320 W 7TH ST
City	DULUTH
State	MN
Zip	55806-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOT 378 AND E 12 1/2 FT OF LOT380 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIVISION
Legal Block	154
Legal Lot Number	378,380
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1026
Census Tract	2400

Owner

2320 W 7th St is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	2320 W 7TH ST, DULUTH, MN 55806-1537
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
Sep 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jun 14, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jan 3, 2018	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Jul 11, 2017	Warranty Deed, Transfer ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2018 · Amount on File
Deed Sale	Jan 3, 2018 · Amount on File
Prior Sale	Jul 11, 2017 · Amount on File
Deed Document Number	20181325165
Prior Transfer Date	Jun 5, 2003
Prior Transfer Doc	0000913252
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2320 W 7TH ST, DULUTH, MN 55806-1537
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001517544
Date	Sep 5, 2025
Instrument	1517544

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Aug 27, 2040

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Aug 22, 2035
Change Frequency	Annually
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Index	1-Year T-Bill
Max Rate	13.7%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2320 W 7TH ST, DULUTH, MN 55806-1537
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001477062
Date	Oct 30, 2023
Instrument	1477062

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2320 W 7TH ST, DULUTH, MN 55806-1537
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001445179
Date	Jun 14, 2022
Instrument	1445179

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 3, 2018
Property Address	2320 W 7TH ST, DULUTH, MN 55806-1537
Document Number	00A1325165
Instrument Date	Dec 27, 2017
Instrument	A1325165
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	ARROWHEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$386.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 W 7TH ST DULUTH MN 558061537, DULUTH, MN 55806-1537

Mortgage

Document Number	A1325166
Date	Jan 3, 2018
Instrument	A1325166

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 11, 2017
Property Address	2320 W 7TH ST, DULUTH, MN 55806-1537
Document Number	00A1312852
Instrument Date	Jul 6, 2017
Instrument	A1312852
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount on Record
Tax	$158.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 122 WASCOTT WI 548900122, WASCOTT, WI 54890-0122

Tax Assessment & Valuation

The 2026 property tax bill for 2320 W 7th St was $2,352 with a homeowner's exemption, up 13.8% 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	$2,352.00 (+13.84%) Homeowner's exemption
2025	$2,066.00 (+3.09%) Homeowner's exemption	$202,800 (+14.71%) Land $19,800 Building $183,000	$202,800 (+14.71%) Land $19,800 Building $183,000
2024	$2,004.00	$176,800 Land $23,800 Building $153,000	$176,800 Land $23,800 Building $153,000
2022		$147,100 Land $21,000 Building $126,100	$147,100 Land $21,000 Building $126,100

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

Flood

FEMA maps place 2320 W 7th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1979–1985)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 1985 · 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

The area around 2320 W 7th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, T-Mobile.

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