1616 Cliff Ave, Duluth, MN 55811 Property Records

St. Louis County property record for 1616 Cliff Ave, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 912 sqft · built 1971
Lot Size	0.183 acres (7,971 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,148 (2026)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2290-00395`

Property Details

APN / Parcel Number

Primary APN	`010-2290-00395`
Alternative APNs	`1178991` `91529`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	912 sqft Gross Area
1st Floor Area	912 sqft
Basement Area	684 sqft
Finished Basement	684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,971 sqft (0.183 acres)
Garage Area	564 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	20 sqft
Deck Area	733 sqft
Storage Building	56 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1178991
Street Address	1616 CLIFF AVE
City	DULUTH
State	MN
Zip	55811-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 EX NLY 100 FT THEREOF AND LOT 12 EXSLY 100 FT OF WLY 100 FT THEREOF, BLOCK 4 SERIAL #
Legal Subdivision	HOMEWOOD GARDEN TRACTS DULUTH
Legal Block	4
Legal Lot Number	1,12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2004
Census Tract	900

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 Company Names on Record
Mailing Address	1616 CLIFF AVE, DULUTH, MN 55811-2102
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 6, 2025
Transfer Doc	0001087603
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1616 CLIFF AVE, DULUTH, MN 55811-2102
Document Number	00T1023605
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1616 CLIFF AVE DULUTH MN 558112102, DULUTH, MN 55811-2102

Mortgage

Document Number	00T1023605
Date	May 20, 2020
Instrument	T1023605

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 19, 2030

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	$4,148.00 (+11.21%) Homeowner's exemption
2025	$3,730.00 (-2.15%) Homeowner's exemption	$353,100 (+21.88%) Land $53,900 Building $299,200	$353,100 (+21.88%) Land $53,900 Building $299,200
2024	$3,812.00	$289,700 (+11.72%) Land $57,100 Building $232,600	$289,700 (+11.72%) Land $57,100 Building $232,600
2022		$259,300 Land $53,200 Building $206,100	$259,300 Land $53,200 Building $206,100

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 · 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	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30