St. Louis County property record for 318 7th St, Duluth, MN 55810
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,140 sqft · built 1920 |
| Lot Size | 0.179 acres (7,813 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,158 (2026) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jan 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 185-0060-00490 |
| Primary APN | 185-0060-00490 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Gross Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 684 sqft |
| Finished Basement | 684 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,813 sqft (0.179 acres) |
| Garage Area | 1,296 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 66 sqft |
| Deck Area | 50 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 960478 |
|---|---|
| Street Address | 318 7TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55810-2817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WLY 1/2 OF LOT 13 AND ALL OF LOTS 14 AND15 SERIAL # |
| Legal Subdivision | THIRD DIVISION OF PROCTORKNOTT |
| Legal Block | 2 |
| Legal Lot Number | 13-15 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | PROCTOR |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 10100 |
Source: St. Louis County records · APN 185-0060-00490
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 318 7TH ST, DULUTH, MN 55810-2817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2022 | Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE |
| Jan 13, 2017 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 318 7TH ST, DULUTH, MN 55810-2817 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001439055 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 1439055 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Feb 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 318 7TH ST, DULUTH, MN 55810-2817 |
| Document Number | 00A1303000 |
| Instrument Date | Jan 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Name | Verified Name |
|---|---|
| Address | 318 7TH ST PROCTOR MN 558102817, PROCTOR, MN 55810-2817 |
| Document Number | 00A1303000 |
|---|---|
| Date | Jan 27, 2017 |
| Instrument | A1303000 |
| Name | REPUBLIC BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 26, 2022 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Proctor City |
| Unified School District | Proctor Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,158.00 (+11.99%) Homeowner's exemption | ||
| 2025 | $2,820.00 (+8.38%) Homeowner's exemption | $242,400 (+8.21%) Land $16,500 Building $225,900 | $242,400 (+8.21%) Land $16,500 Building $225,900 |
| 2024 | $2,602.00 | $224,000 (+30.46%) Land $16,100 Building $207,900 | $224,000 (+30.46%) Land $16,100 Building $207,900 |
| 2022 | $171,700 Land $12,100 Building $159,600 | $171,700 Land $12,100 Building $159,600 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (1978–2012) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2012 · Severe Storms And Flooding |
| Wildfire Risk | Low lower than 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AirFiber Fixed Wireless | 100 / 20 |
May also be available: Spectrum, T-Mobile USA.
Based on FCC filings for 417 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Proctor serves 3,099 people |
|---|---|
| Water Source | Purchased surface water from Duluth |
| Last State Inspection | Nov 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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