4145 Luzerne Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4145 Luzerne Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,008 sqft · built 1920
Lot Size	1.43 acres (62,537 sqft)
Owner	Individual Name on Record
Last Sale	$146,000 (Mar 2006)
Tax Bill	$2,948 (2026)
Deeds & Mortgages	Nov 2019 Loan Modification Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`520-0140-00130`

Property Details

APN / Parcel Number

Primary APN	`520-0140-00130`
Alternative APN	`797408`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	1,008 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	62,537 sqft (1.43 acres)
Garage Area	1,050 sqft

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Deck Area	80 sqft
Storage Building	280 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	797408
Street Address	4145 LUZERNE RD
City	DULUTH
State	MN
Zip	55803-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	E1/2 OF LOT 13 & ALL OF LOT 14 SERIAL #
Legal Subdivision	INGLESIDE PARK
Legal Block	1
Legal Lot Number	13
Jurisdiction	ST LOUIS MN
Township / Civil Division	RICE LAKE
Census Block Group	2
Census Block	2023
Census Tract	10400

Owner

Source: St. Louis County records, 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 Record
Mailing Address	4145 LUZERNE RD, DULUTH, MN 55803-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Loan Modification, Mortgage · FHA Mortgage M&T BK
Mar 15, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 15, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2006 · Amount on Record
Deed Sale	Mar 3, 2006 · Amount on Record
Deed Document Number	2006813931
Record Updated	Sep 20, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	4145 LUZERNE RD, DULUTH, MN 55803-1219
Document Number	00T1019003
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4145 LUZERNE RD DULUTH MN 558031219, DULUTH, MN 55803-1219

Mortgage

Document Number	00T1019003
Date	Dec 26, 2019
Instrument	T1019003

Lender

Name	M&T BK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4145 LUZERNE RD, DULUTH, MN 55803-1219
Document Number	000T983928
Instrument Date	Mar 15, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4145 LUZERNE RD DULUTH MN 558031219, DULUTH, MN 55803-1219

Mortgage

Document Number	000T983928
Date	Apr 14, 2017
Instrument	T983928

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	4145 LUZERNE RD, DULUTH, MN 55803-1219
Document Number	000T985049
Instrument Date	Mar 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4145 LUZERNE RD DULUTH MN 558031219, DULUTH, MN 55803-1219

Mortgage

Document Number	000T985049
Date	May 19, 2017
Instrument	T985049

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	Rice Lake City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,948.00 (+3.73%) Homeowner's exemption
2025	$2,842.00 (+1.36%) Homeowner's exemption	$242,600 (+0.12%) Land $42,400 Building $200,200	$242,600 (+0.12%) Land $42,400 Building $200,200
2024	$2,804.00	$242,300 (+17.05%) Land $42,100 Building $200,200	$242,300 (+17.05%) Land $42,100 Building $200,200
2022		$207,000 Land $40,200 Building $166,800	$207,000 Land $40,200 Building $166,800

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
Nearby Flood Policies	1 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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