7302 Clay St, Duluth, MN 55810 Property Records

St. Louis County property record for 7302 Clay St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Lot Size	0.127 acres (5,562 sqft)
Owner	Individual Name on Record
Last Sale	$476,500 (Oct 2024)
Tax Bill	$18 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0220-01410`

Property Details

APN / Parcel Number

Primary APN	`010-0220-01410`
Alternative APN	`1083021`

Exterior

Lot Area	5,562 sqft (0.127 acres)

Location & Zoning

Account Number	1083021
Street Address	7302 CLAY ST
City	DULUTH
State	MN
Zip	55810-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 BLOCK 9 INC PART OF VAC ALLEY ADJ SERIAL #
Legal Subdivision	BAY VIEW ADDITION
Legal Block	9
Legal Lot Number	15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2000
Census Tract	2900

Owner

Source: St. Louis County records, as of August 20, 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	7302 CLAY ST, DULUTH, MN 55810-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 20, 2019	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2024 · Amount on Record
Deed Sale	Oct 1, 2024 · Amount on Record
Prior Sale	Dec 20, 2019 · Amount on Record
Deed Document Number	20241496494
Prior Transfer Date	Oct 8, 2019
Prior Transfer Doc	0001496494
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	7302 CLAY ST, DULUTH, MN 55810-1314
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001051903
Date	Jan 7, 2022
Instrument	1051903

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 20, 2019
Property Address	7302 CLAY ST, DULUTH, MN 55810-1314
Document Number	00T1018820
Instrument Date	Oct 8, 2019
Instrument	T1018820
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,572.45
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7302 CLAY ST DULUTH MN 558101314, DULUTH, MN 55810-1314

Mortgage

Document Number	T1018821
Date	Dec 20, 2019
Instrument	T1018821

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 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	$18.00 (+5%) Homeowner's exemption
2025	$12.00 (-90.63%) Homeowner's exemption	$1,100 (+37.5%) Land $1,100	$1,100 (+37.5%) Land $1,100
2024		$800 (-88.73%) Land $800	$800 (-88.73%) Land $800
2022	$128.00	$7,100 Land $7,100	$7,100 Land $7,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Direct burnable vegetation

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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