907 W Gary St, Duluth, MN 55808 Property Records

St. Louis County property record for 907 W Gary St, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1978
Lot Size	0.324 acres (14,144 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Sep 2011)
Tax Bill	$4,246 (2026)
Deeds & Mortgages	Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-1790-07850`

Property Details

APN / Parcel Number

Primary APN	`010-1790-07850`
Alternative APN	`922933`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,232 sqft Gross Area
1st Floor Area	1,232 sqft
Basement Area	1,015 sqft
Finished Basement	1,015 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	14,144 sqft (0.324 acres)
Garage Area	792 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	240 sqft
Deck Area	86 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	922933
Street Address	907 W GARY ST
City	DULUTH
State	MN
Zip	55808-1872
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 23 THRU 27 INCLUDING THAT PART OFVACATED ALLEY LYING ADJACENT TO LOT 27 SERIAL #
Legal Subdivision	GARY CENTRAL DIV DULUTH
Legal Block	81
Legal Lot Number	23-27
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3007
Census Tract	3800

Owner

907 W Gary St is owned and occupied by an individual who bought it in September 2011.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	907 W GARY ST, DULUTH, MN 55808-1872
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2011 · Amount on File
Deed Sale	Sep 20, 2011 · Amount on File
Deed Document Number	2011904709
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	907 W GARY ST, DULUTH, MN 55808-1872
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001008979
Date	Mar 29, 2019
Instrument	1008979

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 14, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 907 W Gary St was $4,246 with a homeowner's exemption, up 14.5% from the year before.

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	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,246.00 (+14.51%) Homeowner's exemption
2025	$3,708.00 (-3.64%) Homeowner's exemption	$319,600 (+11.28%) Land $18,700 Building $300,900	$319,600 (+11.28%) Land $18,700 Building $300,900
2024	$3,848.00	$287,200 Land $18,400 Building $268,800	$287,200 Land $18,400 Building $268,800
2022		$244,600 Land $22,700 Building $221,900	$244,600 Land $22,700 Building $221,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 907 W Gary St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	22 (1979–2012)
Claims Outside the SFHA	5 of 22
Most Recent Claim	Jun 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 907 W Gary St is low, with a 0.02% annual chance of 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	0.02% 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 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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