4103 W 7th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4103 W 7th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,416 sqft · built 1891
Lot Size	0.151 acres (6,603 sqft)
Owner	Company Name on Record
Last Sale	$245,000 (Aug 2023)
Tax Bill	$2,656 (2026)
Deeds & Mortgages	Jan 2026 Transfer Jan 2026 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`010-3240-00230`

Property Details

APN / Parcel Number

Primary APN	`010-3240-00230`
Alternative APNs	`1162266` `1152701` `1157424` `745238`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,416 sqft Gross Area
1st Floor Area	696 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Lot Area	6,603 sqft (0.151 acres)
Garage Area	624 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1157424
Street Address	4103 W 7TH ST
City	DULUTH
State	MN
Zip	55807-1527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC LOT 16 BLK 11 HALLS ADD TO ONEOTA SERIAL #
Legal Subdivision	MERRITT PARK ADDITION TO DULUTH
Legal Block	2
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3001
Census Tract	15800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2801 HENNEPIN AVE, MINNEAPOLIS, MN 55408-1907
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 27, 2026	Quit Claim Deed, Transfer Quitclaim
Dec 18, 2025	Re-recorded Document · Conventional Mortgage WINGS FINANCIAL CU
Dec 15, 2025	Quit Claim Deed, Transfer · Conventional Mortgage WINGS FINANCIAL CU
Nov 3, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 3, 2023	Intrafamily Transfer, Transfer
Aug 11, 2023	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Aug 8, 2023	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Aug 8, 2023 · Amount on Record
Deed Document Number	20231471836
Prior Transfer Date	Jul 27, 2023
Prior Transfer Doc	0001471836
Record Updated	Sep 20, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 27, 2026
Property Address	4103 W 7TH ST, DULUTH, MN 55807-1527
Document Number	0001526870
Instrument Date	Jan 6, 2026
Instrument	1526870
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 HENNEPIN AVE, MINNEAPOLIS, MN 55408-1907

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 27, 2026
Property Address	4103 W 7TH ST, DULUTH, MN 55807-1527
Document Number	0001098627
Instrument Date	Dec 31, 2025
Instrument	1098627
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 HENNEPIN AVE, MINNEAPOLIS, MN 55408-1907

December 2025: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ST LOUIS MN
Recording Date	Dec 18, 2025
Property Address	4103 W 7TH ST, DULUTH, MN 55807-1527
Document Number	0001524470
Instrument Date	Dec 13, 2025
Instrument	1524470
Record Updated	Jan 15, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1617 BLACKSTONE AVE, SAINT LOUIS PARK, MN 55416-1401

Mortgage

Document Number	0001524471
Date	Dec 18, 2025
Instrument	1524471

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year T-Bill
Max Rate	11.1%

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 15, 2025
Property Address	4103 W 7TH ST, DULUTH, MN 55807-1527
Document Number	0001097161
Instrument Date	Dec 3, 2025
Instrument	1097161
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1617 BLACKSTONE AVE, SAINT LOUIS PARK, MN 55416-1401

Mortgage

Document Number	0001097162
Date	Dec 15, 2025
Instrument	1097162

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	SOFR Average 30-Day
Max Rate	11.1%

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 3, 2023
Property Address	4103 W 7TH ST, DULUTH, MN 55807-1527
Document Number	0001477503
Instrument Date	Oct 21, 2023
Instrument	1477503
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 HENNEPIN AVE, MINNEAPOLIS, MN 55408-1907

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Nov 3, 2023
Property Address	4103 W 7TH ST, DULUTH, MN 55807-1527
Document Number	0001074138
Instrument Date	Oct 21, 2023
Instrument	1074138
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2801 HENNEPIN AVE, MINNEAPOLIS, MN 55408-1907

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 11, 2023
Property Address	4103 W 7TH ST, DULUTH, MN 55807-1527
Document Number	0001471836
Instrument Date	Jul 27, 2023
Instrument	1471836
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1617 BLACKSTONE AVE, MINNEAPOLIS, MN 55416-1401

Mortgage

Document Number	0001471837
Date	Aug 11, 2023
Instrument	1471837

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 8, 2023
Property Address	4103 W 7TH ST, DULUTH, MN 55807-1527
Document Number	0001070973
Instrument Date	Jul 27, 2023
Instrument	1070973
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1617 BLACKSTONE AVE, MINNEAPOLIS, MN 55416-1401

Mortgage

Document Number	0001070974
Date	Aug 8, 2023
Instrument	1070974

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

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	$2,656.00 (+0.76%)
2025	$2,636.00 (+15.41%)	$205,600 (+7.59%) Land $17,000 Building $188,600	$205,600 (+7.59%) Land $17,000 Building $188,600
2024		$191,100 (+11.82%) Land $18,200 Building $172,900	$191,100 (+11.82%) Land $18,200 Building $172,900
2023	$2,284.00 Homeowner's exemption
2022		$170,900 (+24.02%) Land $16,700 Building $154,200	$170,900 (+24.02%) Land $16,700 Building $154,200
2021		$137,800 Land $13,600 Building $124,200	$137,800 Land $13,600 Building $124,200

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

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 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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