110 Clover St, Duluth, MN 55812 Property Records

St. Louis County property record for 110 Clover St, Duluth, MN 55812

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,397 sqft · built 1940
Lot Size	0.144 acres (6,272 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Dec 2020)
Tax Bill	$4,526 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0590-01600`

Property Details

APN / Parcel Number

Primary APN	`010-0590-01600`
Alternative APNs	`1080286` `1136352`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,397 sqft Gross Area
1st Floor Area	812 sqft
Basement Area	609 sqft
Finished Basement	609 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Block
Construction Type	Frame
Roof Type	Gable
Lot Area	6,272 sqft (0.144 acres)
Garage Area	528 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1136352
Street Address	110 CLOVER ST
City	DULUTH
State	MN
Zip	55812-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 10 BLOCK:015 SERIAL #
Legal Subdivision	CLOVER HILL DIVISION OF DULUTH
Legal Block	15
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1012
Census Tract	1000

Owner

Source: St. Louis County assessment roll, 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 File
Mailing Address	5 N 23RD AVE E, 1, DULUTH, MN 55812-3793
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Warranty Deed, Transfer · Conventional with PMI WESTERN NAT'L BK
Sep 18, 2018	Warranty Deed, Transfer · VA Mortgage BNC NAT'L BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Sep 18, 2018 · Amount on Record
Deed Document Number	20201034041
Prior Transfer Date	Nov 9, 2016
Prior Transfer Doc	0000978635
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 21, 2020
Property Address	110 CLOVER ST, DULUTH, MN 55812-1102
Document Number	00T1034041
Instrument Date	Dec 1, 2020
Instrument	T1034041
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1036 S LAKE AVE DULUTH MN 558022408, DULUTH, MN 55802-2408

Mortgage

Document Number	T1034042
Date	Dec 21, 2020
Instrument	T1034042

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 18, 2018
Property Address	110 CLOVER ST, DULUTH, MN 55812-1102
Document Number	00T1002819
Instrument Date	Sep 17, 2018
Instrument	T1002819
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	110 CLOVER ST DULUTH MN 558121102, DULUTH, MN 55812-1102

Mortgage

Document Number	A100282
Date	Sep 18, 2018
Instrument	A100282

Lender

Name	BNC NAT'L BK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 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	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,526.00 (+7.51%)
2025	$4,210.00 (+0.33%)	$334,200 (+9.07%) Land $69,000 Building $265,200	$334,200 (+9.07%) Land $69,000 Building $265,200
2024	$4,196.00	$306,400 (+17.3%) Land $40,200 Building $266,200	$306,400 (+17.3%) Land $40,200 Building $266,200
2022		$261,200 Land $35,300 Building $225,900	$261,200 Land $35,300 Building $225,900

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	Not rated no burnable land within ember reach

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 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 USA Fixed Wireless	100 / 20

110 Clover St, Duluth, MN 55812 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Clover St

Nearby Streets

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