St. Louis County property record for 1698 Clover Valley Dr, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,564 sqft · built 2016 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,938 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 315-0020-03635 |
| Primary APN | 315-0020-03635 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,564 sqft Gross Area |
| 1st Floor Area | 1,564 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 871,200 sqft (20 acres) |
| Garage Area | 408 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 156 sqft |
| Patio Area | 144 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1010731 |
|---|---|
| Street Address | 1698 CLOVER VALLEY DR |
| City | DULUTH |
| State | MN |
| Zip | 55804-9600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W1/2 OF NW1/4 OF NW1/4 SERIAL # |
| Legal Range | 12W |
| Legal Township | 52N |
| Legal Section | 22 |
| Legal Subdivision | DULUTH TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10500 |
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1698 CLOVER VALLEY DR, DULUTH, MN 55804-9600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE |
| Feb 15, 2022 | Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE |
| Apr 23, 2019 | Deed of Trust, Mortgage · Line of Credit CENTRICITY CU |
| Mar 29, 2017 | Deed of Trust, Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1698 CLOVER VALLEY DR, DULUTH, MN 55804-9600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1698 CLOVER VALLEY DR, DULUTH, MN 55804-9600 |
| Document Number | 0001527625 |
|---|---|
| Date | Feb 6, 2026 |
| Instrument | 1527625 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Jan 21, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1698 CLOVER VALLEY DR, DULUTH, MN 55804-9600 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1698 CLOVER VALLEY DR, DULUTH, MN 55804-9600 |
| Document Number | 0001437480 |
|---|---|
| Date | Feb 15, 2022 |
| Instrument | 1437480 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 2, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1698 CLOVER VALLEY DR, DULUTH, MN 55804-9600 |
| Document Number | 00A1386536 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1698 CLOVER VALLEY DR DULUTH MN 558049600, DULUTH, MN 55804-9600 |
| Document Number | 00A1386536 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | A1386536 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 29, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1698 CLOVER VALLEY DR, DULUTH, MN 55804-9600 |
| Document Number | 00A1354007 |
| Instrument Date | Apr 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1698 CLOVER VALLEY DR DULUTH, DULUTH |
| Document Number | 00A1354007 |
|---|---|
| Date | May 1, 2019 |
| Instrument | A1354007 |
| Name | CENTRICITY CU |
|---|---|
| Address | HERMANTOWN, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 30, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1698 CLOVER VALLEY DR, DULUTH, MN 55804-9600 |
| Document Number | 00A1306749 |
| Instrument Date | Mar 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1698 CLOVER VALLEY DR DULUTH MN 55804, DULUTH, MN 55804 |
| Document Number | 00A1306749 |
|---|---|
| Date | Apr 3, 2017 |
| Instrument | A1306749 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 2, 2047 |
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 | $3,938.00 (+12.26%) Homeowner's exemption | ||
| 2025 | $3,508.00 (+13.53%) Homeowner's exemption | $530,900 (+11.65%) Land $155,400 Building $375,500 | $530,900 (+11.65%) Land $155,400 Building $375,500 |
| 2024 | $3,090.00 | $475,500 (+40.39%) Land $148,600 Building $326,900 | $475,500 (+40.39%) Land $148,600 Building $326,900 |
| 2022 | $338,700 Land $101,100 Building $237,600 | $338,700 Land $101,100 Building $237,600 |
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 · 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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