St. Louis County property record for 1531 Clover Valley Dr, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,225 sqft · built 1975 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Oct 2004) |
| Tax Bill | $2,024 (2026) |
| Deeds & Mortgages | Dec 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 315-0020-02506 |
| Primary APN | 315-0020-02506 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,225 sqft Gross Area |
| 1st Floor Area | 1,426 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 266 sqft |
| Deck Area | 395 sqft |
| Cabin | 432 sqft |
| Storage Building | 240 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating Fuel | Wood |
| Account Number | 860589 |
|---|---|
| Street Address | 1531 CLOVER VALLEY DR |
| City | DULUTH |
| State | MN |
| Zip | 55804-9616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | FAM |
| Legal Description | WLY 786 FT OF SLY 600 FT OF SE1/4 OFSE1/4 EX WLY 60 FT SERIAL # |
| Legal Range | 12W |
| Legal Township | 52N |
| Legal Section | 15 |
| Legal Subdivision | DULUTH TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10500 |
1531 Clover Valley Dr is owned and occupied by an individual who acquired it in November 2007.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1531 CLOVER VALLEY DR, DULUTH, MN 55804-9616 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2004 · Amount on File |
| Deed Sale | Oct 30, 2004 · Amount on File |
| Deed Document Number | 2004787122 |
| Last Transfer Date | Nov 8, 2007 |
| Transfer Doc | 0000848196 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1531 CLOVER VALLEY DR, DULUTH, MN 55804-9616 |
| Document Number | 000T981056 |
| Instrument Date | Dec 28, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1531 CLOVER VALLEY DR DULUTH MN 558049616, DULUTH, MN 55804-9616 |
| Document Number | 000T981056 |
|---|---|
| Date | Jan 18, 2017 |
| Instrument | T981056 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 17, 2027 |
The 2026 property tax bill for 1531 Clover Valley Dr was $2,024 with a homeowner's exemption, up 16.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Duluth Township |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,024.00 (+16.19%) Homeowner's exemption | ||
| 2025 | $1,742.00 (-2.35%) Homeowner's exemption | $290,500 (+2.65%) Land $80,400 Building $210,100 | $290,500 (+2.65%) Land $80,400 Building $210,100 |
| 2024 | $1,784.00 | $283,000 Land $87,000 Building $196,000 | $283,000 Land $87,000 Building $196,000 |
| 2022 | $244,500 Land $74,400 Building $170,100 | $244,500 Land $74,400 Building $170,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1531 Clover Valley Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.
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 Claims | 2 (1993) |
| Most Recent Claim | May 1993 · erosion |
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 risk around 1531 Clover Valley Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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