4227 W 7th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4227 W 7th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,394 sqft · built 1921
Lot Size	0.113 acres (4,948 sqft)
Owner	Individual Name on Record
Tax Bill	$2,774 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0830-01060`

Property Details

APN / Parcel Number

Primary APN	`010-0830-01060`
Alternative APNs	`1138744` `518919`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,394 sqft Gross Area
1st Floor Area	722 sqft
Basement Area	356 sqft
Finished Basement	356 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	4,948 sqft (0.113 acres)
Garage Type	Mixed
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	88 sqft
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1138744
Street Address	4227 W 7TH ST
City	DULUTH
State	MN
Zip	55807-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 OF LOT 2 AND ALL OF LOT 3 SERIAL #
Legal Subdivision	DICKERMANS ADD TO WEST DULUTH
Legal Block	28
Legal Lot Number	2-3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3013
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	Individual Name on Record
Mailing Address	4227 W 7TH ST, DULUTH, MN 55807-1529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Jun 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Oct 18, 2022	Affidavit of Death of Joint Tenant, Transfer · Line of Credit AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 18, 2022
Transfer Doc	0001062537
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 16, 2026
Property Address	4227 W 7TH ST, DULUTH, MN 55807-1529
Document Number	0001105986
Instrument Date	Aug 27, 2026
Instrument	20261105986
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4227 W 7TH ST, DULUTH, MN 55807-1529

Mortgage

Document Number	0001105986,
Date	Sep 16, 2026
Instrument	20261105986

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2041

Interest

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

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4227 W 7TH ST, DULUTH, MN 55807-1529
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001069648
Date	Jun 30, 2023
Instrument	1069648

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 20, 2038

October 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 18, 2022
Property Address	4227 W 7TH ST, DULUTH, MN 55807-1529
Document Number	0001062537
Instrument Date	Sep 28, 2022
Instrument	1062537
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	AFFINITY PLUS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4227 W 7TH ST, DULUTH, MN 55807-1529

Mortgage

Document Number	0001062538
Date	Oct 18, 2022
Instrument	1062538

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,774.00 (+0.51%) Homeowner's exemption
2025	$2,760.00 (+6.73%) Homeowner's exemption	$241,800 (+7.99%) Land $12,800 Building $229,000	$241,800 (+7.99%) Land $12,800 Building $229,000
2024	$2,586.00	$223,900 (+14.82%) Land $13,600 Building $210,300	$223,900 (+14.82%) Land $13,600 Building $210,300
2022		$195,000 Land $12,600 Building $182,400	$195,000 Land $12,600 Building $182,400

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	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 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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