St. Louis County property record for 4193 Luzerne Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,008 sqft · built 1980 |
| Lot Size | 1.27 acres (55,383 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Feb 2008) |
| Tax Bill | $4,214 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0140-00010 |
| Primary APN | 520-0140-00010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Gross Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 750 sqft |
| Finished Basement | 750 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 55,383 sqft (1.27 acres) |
| Garage Area | 1,680 sqft |
| Deck Area | 36 sqft |
|---|---|
| Storage Building | 96 sqft |
| Pole Barn | 486 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 1077775 |
|---|---|
| Street Address | 4193 LUZERNE RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | LOTS 1 2 AND 3 EX NLY 233 FT SERIAL # |
| Legal Subdivision | INGLESIDE PARK |
| Legal Block | 1 |
| Legal Lot Number | 1-2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 10400 |
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 | 4193 LUZERNE RD, DULUTH, MN 55803-1219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 19, 2019 | Quit Claim Deed, Mortgage CALIBER HM LOANS |
| Apr 19, 2017 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2008 · Amount on Record |
| Deed Sale | Feb 4, 2008 · Amount on Record |
| Prior Sale | Oct 25, 2006 · Amount on Record |
| Deed Document Number | 2008848590 |
| Last Transfer Date | Sep 12, 2019 |
| Transfer Doc | 0001015219 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4193 LUZERNE RD, DULUTH, MN 55803-1219 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4193 LUZERNE RD, DULUTH, MN 55803-1219 |
| Document Number | 0001048225 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 1048225 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 19, 2019 |
| Property Address | 4193 LUZERNE RD, DULUTH, MN 55803-1219 |
| Document Number | 00T1015219 |
| Instrument Date | Sep 12, 2019 |
| Instrument | T1015219 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Title Company | PILLAR TITLE SERVICES, PILLAR TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $1.65 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4193 LUZERNE RD DULUTH MN 558031219, DULUTH, MN 55803-1219 |
| Document Number | T1015220 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | T1015220 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 18, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 19, 2017 |
| Property Address | 4193 LUZERNE RD, DULUTH, MN 55803-1219 |
| Document Number | 000T984098 |
| Instrument Date | Apr 14, 2017 |
| Instrument | T984098 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2017 |
| Title Company | PIONEER ABSTRACT AND TITLE COMPANY INC, PIONEER ABS & TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $561.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4193 LUZERNE RD DULUTH MN 558031219, DULUTH, MN 55803-1219 |
| Document Number | T984099 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | T984099 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 18, 2047 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Rice Lake City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,214.00 (+3.79%) Homeowner's exemption | ||
| 2025 | $4,060.00 (+2.27%) Homeowner's exemption | $331,000 (+0.21%) Land $43,600 Building $287,400 | $331,000 (+0.21%) Land $43,600 Building $287,400 |
| 2024 | $3,970.00 | $330,300 (+17.75%) Land $43,300 Building $287,000 | $330,300 (+17.75%) Land $43,300 Building $287,000 |
| 2022 | $280,500 Land $41,300 Building $239,200 | $280,500 Land $41,300 Building $239,200 |
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 |
| 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.
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.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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