St. Louis County property record for 4608 W 7th St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.25 ba · 1,438 sqft · built 1927 |
| Lot Size | 0.106 acres (4,627 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Dec 2025) |
| Tax Bill | $3,170 (2026) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2600-00040 |
| Primary APN | 010-2600-00040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,438 sqft Gross Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 745 sqft |
| Finished Basement | 745 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,627 sqft (0.106 acres) |
| Garage Area | 432 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 80 sqft |
| Deck Area | 67 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1191626 |
|---|---|
| Street Address | 4608 W 7TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-2021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 SERIAL # |
| Legal Subdivision | JOHNSON & GAMACHE DIVISION OF DULUTH |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 15800 |
4608 W 7th St is owned and occupied by two individuals who bought it in December 2025.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4903 TRAILS END DR, DULUTH, MN 55811-3690 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage PARK STATE BANK & TRUST |
| Oct 24, 2019 | Warranty Deed, Transfer · VA Mortgage MEMBERS COOPERATIVE CU |
| Oct 24, 2017 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2025 · Amount on File |
| Deed Sale | Dec 2, 2025 · Amount on File |
| Prior Sale | Oct 24, 2019 · Amount on File |
| Deed Document Number | 20251096666 |
| Prior Transfer Date | Nov 7, 2019 |
| Prior Transfer Doc | 0001017749 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 2, 2025 |
| Property Address | 4608 W 7TH ST, DULUTH, MN 55807-2021 |
| Document Number | 0001096666 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 1096666 |
| Transaction Type | Transfer |
| Record Updated | Dec 25, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $907.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4903 TRAILS END DR, HERMANTOWN, MN 55811-3690 |
| Document Number | 0001096667 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 1096667 |
| Name | PARK STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 24, 2019 |
| Property Address | 4608 W 7TH ST, DULUTH, MN 55807-2021 |
| Document Number | 00T1016681 |
| Instrument Date | Oct 18, 2019 |
| Instrument | T1016681 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $594.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4608 W 7TH ST DULUTH MN 558072021, DULUTH, MN 55807-2021 |
| Document Number | T1016682 |
|---|---|
| Date | Oct 24, 2019 |
| Instrument | T1016682 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55807 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 24, 2017 |
| Property Address | 4608 W 7TH ST, DULUTH, MN 55807-2021 |
| Document Number | 000T991251 |
| Instrument Date | Oct 20, 2017 |
| Instrument | T991251 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2017 |
| Title Company | ARROWHEAD TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $593.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4608 W 7TH ST DULUTH MN 558072021, DULUTH, MN 55807-2021 |
| Document Number | T991252 |
|---|---|
| Date | Oct 24, 2017 |
| Instrument | T991252 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2047 |
The 2026 property tax bill for 4608 W 7th St was $3,170 with a homeowner's exemption, up 125.8% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,170.00 (+125.78%) Homeowner's exemption | ||
| 2025 | $1,404.00 (+21.45%) Homeowner's exemption | $290,300 (+15.75%) Land $11,900 Building $278,400 | $290,300 (+15.75%) Land $11,900 Building $278,400 |
| 2024 | $1,156.00 | $250,800 Land $12,800 Building $238,000 | $250,800 Land $12,800 Building $238,000 |
| 2022 | $233,800 Land $11,700 Building $222,100 | $233,800 Land $11,700 Building $222,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4608 W 7th St in Zone X, an area of minimal flood risk.
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 risk around 4608 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 98% of the US · lower than 92% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 325 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 |
| AT&T Fixed Wireless | 100 / 20 |
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