6925 Clay St, Duluth, MN 55810 Property Records

St. Louis County property record for 6925 Clay St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,733 sqft · built 1901
Lot Size	0.365 acres (15,911 sqft)
Owner	Individual Name on Record
Tax Bill	$5,696 (2026)
Deeds & Mortgages	Nov 2018 Loan Modification Jan 2018 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`010-0220-04300`

Property Details

APN / Parcel Number

Primary APN	`010-0220-04300`
Alternative APN	`986629`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,733 sqft Gross Area
1st Floor Area	990 sqft
Basement Area	768 sqft
Finished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	15,911 sqft (0.365 acres)
Garage Area	1,152 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	64 sqft
Deck Area	128 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	986629
Street Address	6925 CLAY ST
City	DULUTH
State	MN
Zip	55810-1362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7, 8, 9 AND 10, BLOCK 27 AND LOTS 2, 3,4, 5 AND 6, BLOCK 29, INCLUDING THAT PART OFTHE VACATED ALLEY LYING ADJACENT TO
Legal Subdivision	BAY VIEW ADD TO DULUTH 1
Legal Block	27
Legal Lot Number	2-5,7-9
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2008
Census Tract	3000

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	6925 CLAY ST, DULUTH, MN 55810-1362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2018	Loan Modification, Mortgage REPUBLIC BK
Jan 5, 2018	Trustee's Deed, Construction Loan · Construction Mortgage REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	6925 CLAY ST, DULUTH, MN 55810-1362
Document Number	00A1345328
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6925 CLAY ST DULUTH MN 558101362, DULUTH, MN 55810-1362

Mortgage

Document Number	00A1345328
Date	Nov 26, 2018
Instrument	A1345328

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Nov 25, 2019

January 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 5, 2018
Property Address	6925 CLAY ST, DULUTH, MN 55810-1362
Instrument Date	Dec 27, 2017
Instrument	A1325480
Transaction Type	Construction Loan
Record Updated	Aug 30, 2018
Title Company	CONSOLIDATED TITLE COMPANY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6925 CLAY ST DULUTH MN 558101362, DULUTH, MN 55810-1362

Mortgage

Document Number	00A1325480
Date	Jan 5, 2018
Instrument	A1325480

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 4, 2019

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	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,696.00 (+12.52%) Homeowner's exemption
2025	$5,062.00 (-6.81%) Homeowner's exemption	$480,300 (+22.28%) Land $97,800 Building $382,500	$480,300 (+22.28%) Land $97,800 Building $382,500
2024	$5,432.00	$392,800 (+1.21%) Land $75,500 Building $317,300	$392,800 (+1.21%) Land $75,500 Building $317,300
2022		$388,100 Land $69,900 Building $318,200	$388,100 Land $69,900 Building $318,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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.

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

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

May also be available: Airfiber, Verizon.

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