1689 Clover Valley Dr, Duluth, MN 55804 Property Records

St. Louis County property record for 1689 Clover Valley Dr, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 2019
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Aug 2023)
Tax Bill	$2,674 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`315-0020-02486`

Property Details

APN / Parcel Number

Primary APN	`315-0020-02486`
Alternative APNs	`1121889` `1152781`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Metal
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	3,520 sqft
Patio Area	180 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1152781
Street Address	1689 CLOVER VALLEY DR
City	DULUTH
State	MN
Zip	55804-9600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	SW1/4 OF SW1/4 OF SW1/4 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	1012
Census Tract	10500

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	Individual Name on Record
Mailing Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Dec 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK INC
Oct 28, 2019	Deed of Trust, Mortgage REPUBLIC BK
Jun 1, 2018	Trustee's Deed, Construction Loan · Construction Mortgage REPUBLIC BK
Nov 14, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Prior Sale	Dec 1, 2021 · Amount on Record
Deed Document Number	20231471660
Prior Transfer Date	Nov 19, 2021
Prior Transfer Doc	0001431269
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 9, 2023
Property Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600
Document Number	0001471660
Instrument Date	Jul 28, 2023
Instrument	1471660
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,369.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600

Mortgage

Document Number	0001471661
Date	Aug 9, 2023
Instrument	1471661

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Dec 1, 2021
Property Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600
Document Number	0001431269
Instrument Date	Nov 19, 2021
Instrument	1431269
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	NORTH SHORE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600

Mortgage

Document Number	0001431270
Date	Dec 1, 2021
Instrument	1431270

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001366715
Date	Nov 4, 2019
Instrument	1366715

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600
Document Number	00A1366715
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1689 CLOVER VALLEY DR DULUTH MN 558049600, DULUTH, MN 55804-9600

Mortgage

Document Number	00A1366715
Date	Nov 4, 2019
Instrument	A1366715

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2049

June 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 1, 2018
Property Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600
Instrument Date	Jun 1, 2018
Instrument	A1333813
Transaction Type	Construction Loan
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1689 CLOVER VALLEY DR DULUTH MN 55804, DULUTH, MN 55804

Mortgage

Document Number	00A1333813
Date	Jun 1, 2018
Instrument	A1333813

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 31, 2019

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 14, 2017
Property Address	1689 CLOVER VALLEY DR, DULUTH, MN 55804-9600
Document Number	00A1322117
Instrument Date	Oct 30, 2017
Instrument	A1322117
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$148.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1129 OLD NORTH SHORE RD DULUTH MN 558049654, DULUTH, MN 55804-9654

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Duluth Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,674.00 (+13.21%) Homeowner's exemption
2025	$2,362.00 (+23.02%) Homeowner's exemption	$367,500 (+4.82%) Land $82,600 Building $284,900	$367,500 (+4.82%) Land $82,600 Building $284,900
2024	$1,920.00 (-22.2%)	$350,600 (+35.16%) Land $79,000 Building $271,600	$350,600 (+35.16%) Land $79,000 Building $271,600
2023	$2,468.00
2022		$259,400 (+14.83%) Land $67,700 Building $191,700	$259,400 (+14.83%) Land $67,700 Building $191,700
2021		$225,900 Land $46,500 Building $179,400	$225,900 Land $46,500 Building $179,400

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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