St. Louis County property record for 432 Clark Ct, Duluth, MN 55811
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.75 ba · 1,462 sqft · built 2003 |
| Lot Size | 0.352 acres (15,338 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $435,000 (Aug 2023) |
| Tax Bill | $5,932 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0167-00080 |
| Primary APN | 010-0167-00080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,462 sqft Gross Area |
| 1st Floor Area | 1,462 sqft |
| Basement Area | 1,097 sqft |
| Finished Basement | 1,097 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 15,338 sqft (0.352 acres) |
| Garage Area | 480 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1153267 |
|---|---|
| Street Address | 432 CLARK CT |
| City | DULUTH |
| State | MN |
| Zip | 55811-5002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 BLOCK 1 SERIAL # |
| Legal Subdivision | ANDREWS DIVISION |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 301 |
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 | 432 CLARK CT, DULUTH, MN 55811-5002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Dec 1, 2021 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2023 · Amount on Record |
| Deed Sale | Aug 17, 2023 · Amount on Record |
| Prior Sale | Nov 17, 2003 · Amount on Record |
| Deed Document Number | 20231472218 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 17, 2023 |
| Property Address | 432 CLARK CT, DULUTH, MN 55811-5002 |
| Document Number | 0001472218 |
| Instrument Date | Aug 10, 2023 |
| Instrument | 1472218 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Title Company | NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 432 CLARK CT, DULUTH, MN 55811-5002 |
| Document Number | 0001472219 |
|---|---|
| Date | Aug 17, 2023 |
| Instrument | 1472219 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 1, 2021 |
| Property Address | 432 CLARK CT, DULUTH, MN 55811-5002 |
| Document Number | 0001431175 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 1431175 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,254.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 432 CLARK CT, DULUTH, MN 55811-5002 |
| Document Number | 0001431176 |
|---|---|
| Date | Dec 1, 2021 |
| Instrument | 1431176 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,932.00 (+2.99%) Homeowner's exemption | ||
| 2025 | $5,760.00 (+9.97%) Homeowner's exemption | $452,800 (+5.97%) Land $60,300 Building $392,500 | $452,800 (+5.97%) Land $60,300 Building $392,500 |
| 2024 | $5,238.00 (-3.75%) | $427,300 (+17.84%) Land $44,200 Building $383,100 | $427,300 (+17.84%) Land $44,200 Building $383,100 |
| 2023 | $5,442.00 | ||
| 2022 | $362,600 (+14.93%) Land $47,500 Building $315,100 | $362,600 (+14.93%) Land $47,500 Building $315,100 | |
| 2021 | $315,500 Land $41,300 Building $274,200 | $315,500 Land $41,300 Building $274,200 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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: 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 |
| 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.
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 |
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