St. Louis County property record for 4804 W 7th St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,425 sqft · built 1925 |
| Lot Size | 0.073 acres (3,202 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Mar 2024) |
| Tax Bill | $2,900 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-16090 |
| Primary APN | 010-4520-16090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,425 sqft Gross Area |
| 1st Floor Area | 862 sqft |
| Basement Area | 342 sqft |
| Finished Basement | 342 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 3,202 sqft (0.073 acres) |
| Garage Area | 196 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 140 sqft |
| Deck Area | 28 sqft |
| Storage Building | 90 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1163186 |
|---|---|
| Street Address | 4804 W 7TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-2025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL THAT PART OF LOT 1 BLOCK 113 DESCRIBEDAS FOLLOWS: BEGINNING AT THE EASTERNEXTREMITY OF THE SOUTH LINE OF SAID LOT |
| Legal Subdivision | WEST DULUTH 6TH DIV |
| Legal Block | 113 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 15800 |
Source: St. Louis County records, as of August 21, 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 | 4804 W 7TH ST, DULUTH, MN 55807-2025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Mar 12, 2024 | Deed of Trust, Mortgage · Stand-Alone First Mortgage BELL BANK |
| Mar 12, 2024 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Mar 12, 2024 | Warranty Deed, Transfer NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2024 · Amount on Record |
| Deed Sale | Mar 12, 2024 · Amount on Record |
| Prior Sale | May 10, 2016 · Amount on Record |
| Deed Document Number | 20241077538 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 16, 2026 |
| Property Address | 4804 W 7TH ST, DULUTH, MN 55807-2025 |
| Document Number | 0001103656 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 20261103656 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4804 W 7TH ST, DULUTH, MN 55807-2025 |
| Document Number | 0001103656, |
|---|---|
| Date | Jul 16, 2026 |
| Instrument | 20261103656 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Jul 9, 2033 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4804 W 7TH ST, DULUTH, MN 55807-2025 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001046488 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 1046488 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4804 W 7TH ST, DULUTH, MN 55807-2025 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001077540 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 1077540 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4804 W 7TH ST, DULUTH, MN 55807-2025 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 747 LARSMONT RD, TWO HARBORS, MN 55616-4024 |
| Document Number | 0001077539 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 1077539 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 12, 2024 |
| Property Address | 4804 W 7TH ST, DULUTH, MN 55807-2025 |
| Document Number | 0001077538 |
| Instrument Date | Mar 8, 2024 |
| Instrument | 1077538 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2024 |
| Title Company | NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Amount | Amount Recorded |
|---|---|
| Tax | $726.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4804 W 7TH ST, DULUTH, MN 55807-2025 |
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 | $2,900.00 (-9.32%) Homeowner's exemption | ||
| 2025 | $3,198.00 (+10.73%) | $251,600 (+8.35%) Land $8,300 Building $243,300 | $251,600 (+8.35%) Land $8,300 Building $243,300 |
| 2024 | $2,888.00 | $232,200 (+9.74%) Land $8,800 Building $223,400 | $232,200 (+9.74%) Land $8,800 Building $223,400 |
| 2022 | $211,600 Land $8,100 Building $203,500 | $211,600 Land $8,100 Building $203,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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