7303 Clay St, Duluth, MN 55810 Property Records

St. Louis County property record for 7303 Clay St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 952 sqft · built 1940
Lot Size	0.385 acres (16,782 sqft)
Owner	Individual Name on Record
Last Sale	$159,651 (Sep 2018)
Tax Bill	$3,182 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0220-01800`

Property Details

APN / Parcel Number

Primary APN	`010-0220-01800`
Alternative APN	`1058520`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	952 sqft Gross Area
1st Floor Area	952 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	16,782 sqft (0.385 acres)
Garage Area	624 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	64 sqft
Deck Area	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1058520
Street Address	7303 CLAY ST
City	DULUTH
State	MN
Zip	55810-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13 14 AND 15 EX PART TAKEN FOR ROADINC PT OF VAC AVE ADJ LOT 15 SERIAL #
Legal Subdivision	BAY VIEW ADD TO DULUTH 1
Legal Block	11
Legal Lot Number	13-15
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	7303 CLAY ST, DULUTH, MN 55810-1315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 21, 2018	Warranty Deed, Transfer · Conventional with PMI MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Jan 30, 2013 · Amount on Record
Deed Document Number	20181002985
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	7303 CLAY ST, DULUTH, MN 55810-1315
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001049267
Date	Nov 9, 2021
Instrument	1049267

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 21, 2018
Property Address	7303 CLAY ST, DULUTH, MN 55810-1315
Document Number	00A1002985
Instrument Date	Sep 18, 2018
Instrument	A1002985
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$526.85
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7303 CLAY ST DULUTH MN 558101315, DULUTH, MN 55810-1315

Mortgage

Document Number	A1002986
Date	Sep 21, 2018
Instrument	A1002986

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

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	$3,182.00 (+9.42%)
2025	$2,908.00 (-4.72%)	$265,600 (+21.28%) Land $25,900 Building $239,700	$265,600 (+21.28%) Land $25,900 Building $239,700
2024	$3,052.00	$219,000 (+23.73%) Land $20,100 Building $198,900	$219,000 (+23.73%) Land $20,100 Building $198,900
2022		$177,000 Land $26,300 Building $150,700	$177,000 Land $26,300 Building $150,700

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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