4116 Luzerne Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4116 Luzerne Rd, Duluth, MN 55803

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 3.5 ba · 2,520 sqft
Lot Size	0.95 acres (41,382 sqft)
Owner	Company Name on File
Last Sale	$9,100 (Apr 2021)
Tax Bill	$8,056 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0140-00490`

Property Details

APN / Parcel Number

Primary APN	`520-0140-00490`
Alternative APN	`953196`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Units	4 Units
Stories	1 Story
Building Area	2,520 sqft Gross Area
1st Floor Area	2,520 sqft

Exterior

Effective Year Built	Effective 2020
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Frame
Lot Area	41,382 sqft (0.95 acres)
Garage Area	960 sqft
Porch	Slab
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	953196
Street Address	4116 LUZERNE RD
City	DULUTH
State	MN
Zip	55803-1265
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	RES
Legal Description	LOT: 0022 BLOCK:002 SERIAL #
Legal Subdivision	INGLESIDE PARK
Legal Block	2
Legal Lot Number	22
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	2
Census Block	2022
Census Tract	10400

Owner

Source: St. Louis County records · APN 520-0140-00490

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5776 RICE LAKE RD, DULUTH, MN 55803-9331
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 04, 2025	Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE
Apr 16, 2021	Deed of Trust, Mortgage · Commercial Mortgage THE LAKE BANK
Jul 13, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	20211039424
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4116 LUZERNE RD, DULUTH, MN 55803-1265
Transaction Type	Mortgage
Record Updated	Nov 24, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001521721
Date	Nov 04, 2025
Instrument	1521721

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4116 LUZERNE RD, DULUTH, MN 55803-1265
Transaction Type	Mortgage
Record Updated	Sep 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5776 RICE LAKE RD, DULUTH, MN 55803-9331

Mortgage

Document Number	0001039425
Date	Apr 16, 2021
Instrument	1039425

Lender

Name	THE LAKE BANK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 13, 2017
Property Address	4116 LUZERNE RD, DULUTH, MN 55803-1265
Document Number	000T987174
Instrument Date	Jun 08, 2017
Instrument	T987174
Transaction Type	Foreclosure
Record Updated	Jul 27, 2017

Transaction

Amount	Amount Recorded
Tax	$30.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5776 RICE LAKE RD DULUTH MN 558039331, DULUTH, MN 55803-9331

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Rice Lake City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,056.00 (+3.73%)
2025	$7,766.00 (+4.3%)	$492,800 (+0.06%) Land $37,200 Building $455,600	$492,800 (+0.06%) Land $37,200 Building $455,600
2024	$7,446.00	$492,500 (+18.65%) Land $36,900 Building $455,600	$492,500 (+18.65%) Land $36,900 Building $455,600
2022		$415,100 Land $35,300 Building $379,800	$415,100 Land $35,300 Building $379,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 43 locations within half a mile of this property.

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