5 Clearwater Ct, Duluth, MN 55811 Property Records

St. Louis County property record for 5 Clearwater Ct, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,268 sqft · built 2013
Lot Size	0.285 acres (12,439 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Apr 2022)
Tax Bill	$6,896 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0606-01090`

Property Details

APN / Parcel Number

Primary APN	`010-0606-01090`
Alternative APN	`1128259`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,268 sqft Gross Area
1st Floor Area	1,268 sqft
Basement Area	1,030 sqft
Finished Basement	1,030 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	12,439 sqft (0.285 acres)
Garage Area	730 sqft

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Deck Area	168 sqft
Patio Area	180 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1128259
Street Address	5 CLEARWATER CT
City	DULUTH
State	MN
Zip	55811-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLOCK 14 SERIAL #
Legal Subdivision	COFFEE CREEK
Legal Block	14
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3014
Census Tract	301

Owner

5 Clearwater Ct is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	5 CLEARWATER CT, DULUTH, MN 55811-5023
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2022	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR CHOICE CU
Jul 27, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2022 · Amount on File
Deed Sale	Apr 5, 2022 · Amount on File
Prior Sale	Mar 27, 2013 · Amount on File
Deed Document Number	20221055153
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 5, 2022
Property Address	5 CLEARWATER CT, DULUTH, MN 55811-5023
Document Number	0001055153
Instrument Date	Apr 1, 2022
Instrument	1055153
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,600.50
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	5 CLEARWATER CT, DULUTH, MN 55811-5023

Mortgage

Document Number	0001055154
Date	Apr 5, 2022
Instrument	1055154

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5 CLEARWATER CT, DULUTH, MN 55811-5023
Document Number	00T1027001
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 CLEARWATER CT DULUTH MN 558115023, DULUTH, MN 55811-5023

Mortgage

Document Number	00T1027001
Date	Aug 6, 2020
Instrument	T1027001

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 5 Clearwater Ct was $6,896 with a homeowner's exemption, up 3% from the year before.

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	$6,896.00 (+2.99%) Homeowner's exemption
2025	$6,696.00 (+23.41%) Homeowner's exemption	$516,300 (+5.2%) Land $55,700 Building $460,600	$516,300 (+5.2%) Land $55,700 Building $460,600
2024	$5,426.00	$490,800 Land $60,500 Building $430,300	$490,800 Land $60,500 Building $430,300
2022		$387,200 Land $52,800 Building $334,400	$387,200 Land $52,800 Building $334,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5 Clearwater Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5 Clearwater Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 82% 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.

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 137 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

May also be available: CenturyLink, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Clearwater Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures