4009 Luverne St, Duluth, MN 55804 Property Records

St. Louis County property record for 4009 Luverne St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,432 sqft · built 1925
Lot Size	0.16 acres (6,994 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Apr 2017)
Tax Bill	$4,004 (2026)
Deeds & Mortgages	Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2960-02470`

Property Details

APN / Parcel Number

Primary APN	`010-2960-02470`
Alternative APN	`1029318`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,432 sqft Gross Area
1st Floor Area	860 sqft
Basement Area	215 sqft
Finished Basement	215 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	6,994 sqft (0.16 acres)
Garage Area	520 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	80 sqft
Deck Area	40 sqft
Storage Building	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1029318
Street Address	4009 LUVERNE ST
City	DULUTH
State	MN
Zip	55804-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0014 BLOCK:011 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	11
Legal Lot Number	14
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1017
Census Tract	600

Owner

4009 Luverne St is owned and occupied by an individual who bought it in April 2017.

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 File
Mailing Address	4009 LUVERNE ST, DULUTH, MN 55804-2149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2017 · Amount on File
Deed Sale	Apr 25, 2017 · Amount on File
Prior Sale	Jun 4, 2012 · Amount on File
Deed Document Number	20171307995
Record Updated	Sep 20, 2026

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 25, 2017
Property Address	4009 LUVERNE ST, DULUTH, MN 55804-2149
Document Number	00A1307995
Instrument Date	Apr 25, 2017
Instrument	A1307995
Transaction Type	Transfer
Record Updated	May 18, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4009 LUVERNE ST DULUTH MN 558042149, DULUTH, MN 55804-2149

Mortgage

Document Number	A1307996
Date	Apr 25, 2017
Instrument	A1307996

Lender

Name	JOHN S KAARBO
Address	4009 LUVERNE ST, DULUTH, MN 55804-2149
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 24, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 4009 Luverne St was $4,004 with a homeowner's exemption, up 7.3% 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	$4,004.00 (+7.35%) Homeowner's exemption
2025	$3,730.00 (-3.37%) Homeowner's exemption	$308,200 (+6.39%) Land $47,800 Building $260,400	$308,200 (+6.39%) Land $47,800 Building $260,400
2024	$3,860.00	$289,700 Land $46,100 Building $243,600	$289,700 Land $46,100 Building $243,600
2022		$259,900 Land $35,500 Building $224,400	$259,900 Land $35,500 Building $224,400

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

Flood

FEMA maps place 4009 Luverne St in Zone X, an area of minimal flood risk.

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 Policies	8 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

Wildfire risk around 4009 Luverne St 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 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20