St. Louis County property record for 106 Clover St, Duluth, MN 55812
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,320 sqft · built 1940 |
| Lot Size | 0.122 acres (5,351 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Jan 2019) |
| Tax Bill | $4,214 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0590-01590 |
| Primary APN | 010-0590-01590 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Gross Area |
| 1st Floor Area | 660 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 5,351 sqft (0.122 acres) |
| Garage Area | 484 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 264 sqft |
| Deck Area | 220 sqft |
| Storage Building | 48 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1065312 |
|---|---|
| Street Address | 106 CLOVER ST |
| City | DULUTH |
| State | MN |
| Zip | 55812-1102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 09 BLOCK:015 SERIAL # |
| Legal Subdivision | CLOVER HILL DIVISION OF DULUTH |
| Legal Block | 15 |
| Legal Lot Number | 9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 1000 |
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 | 106 CLOVER ST, DULUTH, MN 55812-1102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 2, 2020 | Deed of Trust, Mortgage NORTH SHORE BK/COMMERCE |
| Jan 22, 2019 | Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE |
| Aug 24, 2017 | Warranty Deed, Transfer · FHA Mortgage MARKETPLACE HM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 22, 2019 · Amount on Record |
| Deed Sale | Jan 22, 2019 · Amount on Record |
| Prior Sale | May 25, 2004 · Amount on Record |
| Deed Document Number | 20191007158 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 106 CLOVER ST, DULUTH, MN 55812-1102 |
| Document Number | 00T1026232 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 106 CLOVER ST DULUTH MN 558121102, DULUTH, MN 55812-1102 |
| Document Number | 00T1026232 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | T1026232 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 22, 2019 |
| Property Address | 106 CLOVER ST, DULUTH, MN 55812-1102 |
| Document Number | 00T1007158 |
| Instrument Date | Sep 14, 2018 |
| Instrument | T1007158 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 106 CLOVER ST DULUTH MN 558121102, DULUTH, MN 55812-1102 |
| Document Number | T1007159 |
|---|---|
| Date | Jan 22, 2019 |
| Instrument | T1007159 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 24, 2017 |
| Property Address | 106 CLOVER ST, DULUTH, MN 55812-1102 |
| Document Number | 000T989044 |
| Instrument Date | Aug 17, 2017 |
| Instrument | T989044 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $659.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 106 CLOVER ST DULUTH MN 558121102, DULUTH, MN 55812-1102 |
| Document Number | T989045 |
|---|---|
| Date | Aug 24, 2017 |
| Instrument | T989045 |
| Name | MARKETPLACE HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | EDINA, MN 55435 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 23, 2047 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,214.00 (+12.61%) Homeowner's exemption | ||
| 2025 | $3,742.00 (-2.25%) Homeowner's exemption | $328,700 (+13.15%) Land $59,500 Building $269,200 | $328,700 (+13.15%) Land $59,500 Building $269,200 |
| 2024 | $3,828.00 | $290,500 (+17.37%) Land $34,700 Building $255,800 | $290,500 (+17.37%) Land $34,700 Building $255,800 |
| 2022 | $247,500 Land $30,400 Building $217,100 | $247,500 Land $30,400 Building $217,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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