4118 W 7th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4118 W 7th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,176 sqft · built 1922
Lot Size	0.109 acres (4,753 sqft)
Owner	2 Individual Names on Record
Last Sale	$316,700 (Jul 2026)
Tax Bill	$2,546 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2030-00810`

Property Details

APN / Parcel Number

Primary APN	`010-2030-00810`
Alternative APN	`1096655`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,176 sqft Gross Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Metal
Construction Type	Frame
Lot Area	4,753 sqft (0.109 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	288 sqft
Deck Area	96 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1096655
Street Address	4118 W 7TH ST
City	DULUTH
State	MN
Zip	55807-1528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 36 FT SERIAL #
Legal Subdivision	HALLS ADD TO ONEOTA DULUTH
Legal Block	6
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3005
Census Tract	15800

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	2 Individual Names on Record
Mailing Address	4118 W 7TH ST, DULUTH, MN 55807-1528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 23, 2020	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on Record
Deed Sale	Jul 6, 2026 · Amount on Record
Prior Sale	Sep 23, 2020 · Amount on Record
Deed Document Number	20261535614
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 6, 2026
Property Address	4118 W 7TH ST, DULUTH, MN 55807-1528
Document Number	0001535614
Instrument Date	Jul 6, 2026
Instrument	20261535614
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105,556.11
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4118 W 7TH ST, DULUTH, MN 55807-1528

Mortgage

Document Number	0001535614,
Date	Jul 6, 2026
Instrument	20261535614

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 23, 2020
Property Address	4118 W 7TH ST, DULUTH, MN 55807-1528
Document Number	00A1391170
Instrument Date	Sep 18, 2020
Instrument	A1391170
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	PIONEER ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$611.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4118 W 7TH ST DULUTH MN 558071528, DULUTH, MN 55807-1528

Mortgage

Document Number	A1391171
Date	Sep 23, 2020
Instrument	A1391171

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

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	$2,546.00 (+0.32%) Homeowner's exemption
2025	$2,538.00 (+2.5%) Homeowner's exemption	$225,500 (+8%) Land $12,300 Building $213,200	$225,500 (+8%) Land $12,300 Building $213,200
2024	$2,476.00	$208,800 (+12.86%) Land $13,100 Building $195,700	$208,800 (+12.86%) Land $13,100 Building $195,700
2022		$185,000 Land $12,100 Building $172,900	$185,000 Land $12,100 Building $172,900

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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