7425 Earl St, Duluth, MN 55810 Property Records

St. Louis County property record for 7425 Earl St, Duluth, MN 55810

Property Summary

Property Type	Single Family Home
Lot Size	0.369 acres (16,092 sqft)
Owner	2 Individual Names on Record
Tax Bill	$502 (2026)
Deeds & Mortgages	Sep 2026 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`010-0220-01270`

Property Details

APN / Parcel Number

Primary APN	`010-0220-01270`
Alternative APNs	`1089633` `1182081`

Interior

Stories	1 Story

Exterior

Exterior Material	Wood
Construction Type	Frame
Lot Area	16,092 sqft (0.369 acres)
Garage Area	1,100 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil

Location & Zoning

Account Number	1182081
Street Address	7425 EARL ST
City	DULUTH
State	MN
Zip	55810-1323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1, 2 AND 3, BLOCK 9 AND LOT 1, BLOCK 10,INCLUDING THAT PART OF THE VACATED ALLEYADJACENT SERIAL #
Legal Subdivision	BAY VIEW ADD TO DULUTH 1
Legal Block	9
Legal Lot Number	1-2
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 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9102 VINLAND ST, DULUTH, MN 55810-1531
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 16, 2025
Transfer Doc	0001089760
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 16, 2026
Property Address	7425 EARL ST, DULUTH, MN 55810-1323
Document Number	0001540463
Instrument Date	Sep 15, 2026
Instrument	20261540463
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9102 VINLAND ST, DULUTH, MN 55810-1531

Mortgage

Document Number	0001540463,
Date	Sep 16, 2026
Instrument	20261540463

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Aug 20, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$502.00 (+42.61%)
2025	$352.00 (-3.3%)	$36,100 (+47.35%) Land $30,000 Building $6,100	$36,100 (+47.35%) Land $30,000 Building $6,100
2024	$364.00	$24,500 (-26.43%) Land $19,400 Building $5,100	$24,500 (-26.43%) Land $19,400 Building $5,100
2022		$33,300 Land $27,000 Building $6,300	$33,300 Land $27,000 Building $6,300

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Airfiber.

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