St. Louis County property record for 4806 W 7th St, Duluth, MN 55807
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft · built 1925 |
| Lot Size | 0.093 acres (4,058 sqft) |
| Owner | Individual Name on File |
| Last Sale | $222,500 (Mar 2021) |
| Tax Bill | $3,400 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-4520-16100 |
| Primary APN | 010-4520-16100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Gross Area |
| 1st Floor Area | 792 sqft |
| Basement Area | 340 sqft |
| Finished Basement | 340 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 4,058 sqft (0.093 acres) |
| Garage Type | Basement |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 56 sqft |
| Deck Area | 14 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1106606 |
|---|---|
| Street Address | 4806 W 7TH ST |
| City | DULUTH |
| State | MN |
| Zip | 55807-2025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 EX NELY 40 FT AND THAT PART OF LOT2 LYING N OF A LINE RUNN ING FROM NWCORNER TO SE CORNER SERIAL # |
| Legal Subdivision | WEST DULUTH SIXTH DIVISION |
| Legal Block | 113 |
| Legal Lot Number | 1-2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 15800 |
4806 W 7th St is owned and occupied by an individual who bought it in March 2021.
Source: St. Louis County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4806 W 7TH ST, DULUTH, MN 55807-2025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE |
| Mar 30, 2021 | Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Dec 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BK&TR |
| May 26, 2017 | Deed of Trust, Mortgage · Line of Credit FRANDSEN BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2021 · Amount on File |
| Deed Sale | Mar 30, 2021 · Amount on File |
| Prior Sale | Jul 2, 2004 · Amount on File |
| Deed Document Number | 20211038490 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4806 W 7TH ST, DULUTH, MN 55807-2025 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001038492 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 1038492 |
| Name | PROSPERITY HOME MORTGAGE |
|---|---|
| Address | WEST DES MOINES, IA 50266 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 30, 2021 |
| Property Address | 4806 W 7TH ST, DULUTH, MN 55807-2025 |
| Document Number | 0001038490 |
| Instrument Date | Mar 22, 2021 |
| Instrument | 1038490 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2021 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $734.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4806 W 7TH ST, DULUTH, MN 55807-2025 |
| Document Number | 0001038491 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 1038491 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4806 W 7TH ST, DULUTH, MN 55807-2025 |
| Document Number | 000T993674 |
| Instrument Date | Dec 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|---|
| Address | 4806 W 7TH ST DULUTH MN 558072025, DULUTH, MN 55807-2025 |
| Document Number | 000T993674 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | T993674 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | NEW ULM, MN 56073 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 27, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4806 W 7TH ST, DULUTH, MN 55807-2025 |
| Document Number | 000T985996 |
| Instrument Date | May 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2017 |
| Name | Verified Name |
|---|---|
| Address | 4806 W 7TH ST DULUTH MN 558072025, DULUTH, MN 55807-2025 |
| Document Number | 000T985996 |
|---|---|
| Date | Jun 15, 2017 |
| Instrument | T985996 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 14, 2022 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 4806 W 7th St was $3,400 with a homeowner's exemption, up 0.5% 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 | $3,400.00 (+0.53%) Homeowner's exemption | ||
| 2025 | $3,382.00 (+3.36%) Homeowner's exemption | $287,800 (+8.2%) Land $10,500 Building $277,300 | $287,800 (+8.2%) Land $10,500 Building $277,300 |
| 2024 | $3,272.00 | $266,000 Land $11,200 Building $254,800 | $266,000 Land $11,200 Building $254,800 |
| 2022 | $220,800 Land $10,300 Building $210,500 | $220,800 Land $10,300 Building $210,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4806 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 4806 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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