401 Clark Ct, Duluth, MN 55811 Property Records

St. Louis County property record for 401 Clark Ct, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,216 sqft · built 2003
Lot Size	0.146 acres (6,400 sqft)
Owner	Individual Name on File
Last Sale	$399,900 (Aug 2023)
Tax Bill	$4,806 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0167-00010`

Property Details

APN / Parcel Number

Primary APN	`010-0167-00010`
Alternative APNs	`1153822` `857229`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,216 sqft Gross Area
1st Floor Area	1,216 sqft
Basement Area	624 sqft
Finished Basement	624 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	6,400 sqft (0.146 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	60 sqft
Patio Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1153822
Street Address	401 CLARK CT
City	DULUTH
State	MN
Zip	55811-5001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLOCK 1 SERIAL #
Legal Subdivision	ANDREWS DIVISION
Legal Block	1
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1000
Census Tract	301

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	401 CLARK CT, DULUTH, MN 55811-5001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Prior Sale	Nov 15, 2007 · Amount on Record
Deed Document Number	20231472981
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 29, 2023
Property Address	401 CLARK CT, DULUTH, MN 55811-5001
Document Number	0001472981
Instrument Date	Aug 22, 2023
Instrument	1472981
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,319.67
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	401 CLARK CT, DULUTH, MN 55811-5001

Mortgage

Document Number	0001472982
Date	Aug 29, 2023
Instrument	1472982

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Sep 1, 2038
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.7%
Margin	3
Max Rate	11.7%

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	$4,806.00 (+3%) Homeowner's exemption
2025	$4,666.00 (+20.51%) Homeowner's exemption	$361,800 (+2.43%) Land $37,300 Building $324,500	$361,800 (+2.43%) Land $37,300 Building $324,500
2024	$3,872.00 (-2.37%)	$353,200 (+28.39%) Land $26,400 Building $326,800	$353,200 (+28.39%) Land $26,400 Building $326,800
2023	$3,966.00 Homeowner's exemption
2022		$275,100 (+14.91%) Land $28,400 Building $246,700	$275,100 (+14.91%) Land $28,400 Building $246,700
2021		$239,400 Land $24,700 Building $214,700	$239,400 Land $24,700 Building $214,700

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
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force

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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 300 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