7207 Clay St, Duluth, MN 55810 Property Records

St. Louis County property record for 7207 Clay St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,574 sqft · built 1913
Lot Size	0.511 acres (22,282 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Apr 2019)
Tax Bill	$3,798 (2026)
Deeds & Mortgages	Jan 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0220-03650`

Property Details

APN / Parcel Number

Primary APN	`010-0220-03650`
Alternative APN	`1069434`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,574 sqft Gross Area
1st Floor Area	898 sqft
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	22,282 sqft (0.511 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	196 sqft
Deck Area	72 sqft
Lean-To	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1069434
Street Address	7207 CLAY ST
City	DULUTH
State	MN
Zip	55810-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 10 THRU 16 EX PART FOR BLVD SERIAL #
Legal Subdivision	BAY VIEW ADD TO DULUTH 1
Legal Block	22
Legal Lot Number	10-16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1010
Census Tract	2900

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	7207 CLAY ST, DULUTH, MN 55810-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
May 22, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Apr 24, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2019 · Amount on Record
Deed Sale	Apr 24, 2019 · Amount on Record
Prior Sale	Dec 10, 2008 · Amount on Record
Deed Document Number	20191353609
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	7207 CLAY ST, DULUTH, MN 55810-1313
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001435994
Date	Jan 25, 2022
Instrument	1435994

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	7207 CLAY ST, DULUTH, MN 55810-1313
Document Number	00A1381646
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7207 CLAY ST DULUTH MN 558101313, DULUTH, MN 55810-1313

Mortgage

Document Number	00A1381646
Date	Jun 5, 2020
Instrument	A1381646

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 24, 2019
Property Address	7207 CLAY ST, DULUTH, MN 55810-1313
Document Number	0001353609
Instrument Date	Apr 22, 2019
Instrument	1353609
Transaction Type	Transfer
Record Updated	May 3, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$709.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7207 CLAY ST DULUTH MN 558101313, DULUTH, MN 55810-1313

Mortgage

Document Number	A1353610
Date	Apr 24, 2019
Instrument	A1353610

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

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	$3,798.00 (+16.08%) Homeowner's exemption
2025	$3,272.00 (-7.88%) Homeowner's exemption	$323,700 (+21.28%) Land $30,100 Building $293,600	$323,700 (+21.28%) Land $30,100 Building $293,600
2024	$3,552.00	$266,900 (-2.52%) Land $23,300 Building $243,600	$266,900 (-2.52%) Land $23,300 Building $243,600
2022		$273,800 Land $33,000 Building $240,800	$273,800 Land $33,000 Building $240,800

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.

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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