4305 W 7th St, Duluth, MN 55807 Property Records

St. Louis County property record for 4305 W 7th St, Duluth, MN 55807

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,176 sqft · built 1917
Lot Size	0.078 acres (3,398 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Dec 2021)
Tax Bill	$2,690 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jun 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0830-01430`

Property Details

APN / Parcel Number

Primary APN	`010-0830-01430`
Alternative APN	`1122354`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,176 sqft Gross Area
1st Floor Area	672 sqft
Basement Area	250 sqft
Finished Basement	250 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,398 sqft (0.078 acres)
Garage Area	384 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	140 sqft
Deck Area	264 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1122354
Street Address	4305 W 7TH ST
City	DULUTH
State	MN
Zip	55807-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 100 FT OF LOT 13 AND S 100 FT OF W 9FT OF LOT 14 SERIAL #
Legal Subdivision	DICKERMANS ADD TO WEST DULUTH
Legal Block	29
Legal Lot Number	13-14
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4003
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	4305 W 7TH ST, DULUTH, MN 55807-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 27, 2019	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Apr 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage REDEVELOPMENT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2021 · Amount on Record
Deed Sale	Dec 8, 2021 · Amount on Record
Deed Document Number	20211050595
Prior Transfer Date	Jun 12, 2014
Prior Transfer Doc	000T946176
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 8, 2021
Property Address	4305 W 7TH ST, DULUTH, MN 55807-1432
Document Number	0001050595
Instrument Date	Dec 3, 2021
Instrument	1050595
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 W 7TH ST, DULUTH, MN 55807-1432
Investor	Possibly a Property Investor

Mortgage

Document Number	0001050596
Date	Dec 8, 2021
Instrument	1050596

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	4305 W 7TH ST, DULUTH, MN 55807-1432
Document Number	00T1013174
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 W 7TH ST DULUTH MN 558071432, DULUTH, MN 55807-1432

Mortgage

Document Number	00T1013174
Date	Aug 2, 2019
Instrument	T1013174

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate	4.75%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4305 W 7TH ST, DULUTH, MN 55807-1432
Document Number	000T998124
Instrument Date	Apr 3, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 W 7TH ST #H DULUTH MN 558071432, H, DULUTH, MN 55807-1432

Mortgage

Document Number	000T998124
Date	May 18, 2018
Instrument	T998124

Lender

Name	REDEVELOPMENT AGCY
Address	DULUTH, MN 55816-0900

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2048

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	$2,690.00 (+0.52%) Homeowner's exemption
2025	$2,676.00 (+2.69%) Homeowner's exemption	$236,100 (+8.2%) Land $8,800 Building $227,300	$236,100 (+8.2%) Land $8,800 Building $227,300
2024	$2,606.00	$218,200 (+19.96%) Land $9,400 Building $208,800	$218,200 (+19.96%) Land $9,400 Building $208,800
2022		$181,900 Land $8,600 Building $173,300	$181,900 Land $8,600 Building $173,300

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 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20

4305 W 7th St, Duluth, MN 55807 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on W 7th St

Nearby Streets

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