3921 W 7th St, Duluth, MN 55807 Property Records

St. Louis County property record for 3921 W 7th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 737 sqft · built 1907
Lot Size	0.151 acres (6,602 sqft)
Owner	Trust Name on File
Last Sale	$202,400 (Oct 2022)
Tax Bill	$2,134 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3400-02440`

Property Details

APN / Parcel Number

Primary APN	`010-3400-02440`
Alternative APNs	`1069734` `1027406`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	737 sqft Gross Area
1st Floor Area	444 sqft
Basement Area	336 sqft
Finished Basement	336 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,602 sqft (0.151 acres)
Garage Area	480 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	60 sqft
Deck Area	63 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1027406
Street Address	3921 W 7TH ST
City	DULUTH
State	MN
Zip	55807-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 21 AND 22 SERIAL #
Legal Block	10
Legal Lot Number	21-22
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1000
Census Tract	15800

Owner

3921 W 7th St is owner-occupied and held in a trust since October 2022.

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

Owner of Record	Trust Name on File
Mailing Address	1270 SOUTHPOINT RD, CROMWELL, MN 55726-2300
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHVIEW BANK
Apr 30, 2019	Warranty Deed, Transfer · Conventional with PMI AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2022 · Amount on File
Deed Sale	Oct 7, 2022 · Amount on File
Prior Sale	Apr 30, 2019 · Amount on File
Deed Document Number	20221062191
Prior Transfer Date	Dec 15, 2011
Prior Transfer Doc	0000913185
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 7, 2022
Property Address	3921 W 7TH ST, DULUTH, MN 55807-1638
Document Number	0001062191
Instrument Date	Sep 30, 2022
Instrument	1062191
Transaction Type	Transfer
Record Updated	Nov 24, 2022
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	$667.92
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1270 SOUTHPOINT RD, CROMWELL, MN 55726-2300

Mortgage

Document Number	0001062193
Date	Oct 7, 2022
Instrument	1062193

Lender

Name	NORTHVIEW BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 30, 2019
Property Address	3921 W 7TH ST, DULUTH, MN 55807-1638
Document Number	00T1009985
Instrument Date	Apr 25, 2019
Instrument	T1009985
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3921 W 7TH ST DULUTH MN 558071638, DULUTH, MN 55807-1638

Mortgage

Document Number	T1009986
Date	Apr 30, 2019
Instrument	T1009986

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	ST PAUL, MN 55107

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 3921 W 7th St was $2,134 with a homeowner's exemption, up 0.1% 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	$2,134.00 (+0.09%) Homeowner's exemption
2025	$2,132.00 (+1.81%) Homeowner's exemption	$194,500 (+7.28%) Land $17,000 Building $177,500	$194,500 (+7.28%) Land $17,000 Building $177,500
2024	$2,094.00	$181,300 Land $18,200 Building $163,100	$181,300 Land $18,200 Building $163,100
2022		$139,100 Land $18,700 Building $120,400	$139,100 Land $18,700 Building $120,400

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

Flood

FEMA maps place 3921 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	4 (2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 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 3921 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 735 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
Airfiber Fixed Wireless	100 / 20

May also be available: CTC, Fidium Fiber.

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