7103 Earl St, Duluth, MN 55810 Property Records

St. Louis County property record for 7103 Earl St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1923
Lot Size	0.229 acres (9,989 sqft)
Owner	Individual Name on Record
Last Sale	$269,000 (Sep 2025)
Tax Bill	$2,062 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0220-03910`

Property Details

APN / Parcel Number

Primary APN	`010-0220-03910`
Alternative APNs	`1111430` `1187519`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	900 sqft Gross Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1972
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	9,989 sqft (0.229 acres)
Garage Area	864 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	72 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1187519
Street Address	7103 EARL ST
City	DULUTH
State	MN
Zip	55810-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 6 AND 7 SERIAL #
Legal Subdivision	BAY VIEW ADD TO DULUTH 1
Legal Block	24
Legal Lot Number	6-7
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	7103 EARL ST, DULUTH, MN 55810-1319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FCU
Jun 22, 2021	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	Jun 22, 2021 · Amount on Record
Deed Document Number	20251517574
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 8, 2025
Property Address	7103 EARL ST, DULUTH, MN 55810-1319
Document Number	0001517574
Instrument Date	Sep 2, 2025
Instrument	1517574
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$887.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 EARL ST, DULUTH, MN 55810-1319

Mortgage

Document Number	0001517575
Date	Sep 8, 2025
Instrument	1517575

Lender

Name	NORTH SHORE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2030
Change Frequency	5 Years
Min Rate At Change	6.5%
Max Rate At Change	8.5%
Index	5-Year TN
Max Rate	12.5%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 22, 2021
Property Address	7103 EARL ST, DULUTH, MN 55810-1319
Document Number	0001417178
Instrument Date	Jun 3, 2021
Instrument	1417178
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.65
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 EARL ST, DULUTH, MN 55810-1319

Mortgage

Document Number	0001417179
Date	Jun 22, 2021
Instrument	1417179

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$2,062.00 (+10.98%) Homeowner's exemption
2025	$1,858.00 (-10.15%) Homeowner's exemption	$217,400 (+29.79%) Land $19,500 Building $197,900	$217,400 (+29.79%) Land $19,500 Building $197,900
2024	$2,068.00	$167,500 (-8.72%) Land $15,100 Building $152,400	$167,500 (-8.72%) Land $15,100 Building $152,400
2022		$183,500 Land $25,200 Building $158,300	$183,500 Land $25,200 Building $158,300

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 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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