St. Louis County property record for 4217 Luverne St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,148 sqft · built 1940 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Aug 2026) |
| Tax Bill | $3,418 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jun 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2960-02830 |
| Primary APN | 010-2960-02830 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,148 sqft Gross Area |
| 1st Floor Area | 918 sqft |
| Basement Area | 459 sqft |
| Finished Basement | 459 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,000 sqft (0.16 acres) |
| Garage Area | 280 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1038975 |
|---|---|
| Street Address | 4217 LUVERNE ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-2152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0012 BLOCK:013 SERIAL # |
| Legal Subdivision | LONDON ADD TO DULUTH |
| Legal Block | 13 |
| Legal Lot Number | 12 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 600 |
4217 Luverne St is owned and occupied by two individuals who bought it in August 2026.
Source: St. Louis County records, as of September 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4217 LUVERNE ST, DULUTH, MN 55804-2152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Jun 13, 2022 | Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/CMRC |
| Oct 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Oct 2, 2017 | Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2026 · Amount on File |
| Deed Sale | Aug 25, 2026 · Amount on File |
| Prior Sale | Oct 2, 2017 · Amount on File |
| Deed Document Number | 20261539120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 25, 2026 |
| Property Address | 4217 LUVERNE ST, DULUTH, MN 55804-2152 |
| Document Number | 0001539120 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 20261539120 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99,990.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4217 LUVERNE ST, DULUTH, MN 55804-2152 |
| Document Number | 0001539123, |
|---|---|
| Date | Aug 25, 2026 |
| Instrument | 20261539123 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4217 LUVERNE ST, DULUTH, MN 55804-2152 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001445058 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 1445058 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 8, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4217 LUVERNE ST, DULUTH, MN 55804-2152 |
| Document Number | 00A1390505 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | NORTH SHORE TITLE |
| Name | Verified Name |
|---|---|
| Address | 4217 LUVERNE ST DULUTH MN 558042152, DULUTH, MN 55804-2152 |
| Document Number | 00A1390505 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | A1390505 |
| Name | NATIONAL BK/CMRC |
|---|---|
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 14, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4217 LUVERNE ST, DULUTH, MN 55804-2152 |
| Document Number | 00A1343333 |
| Instrument Date | Oct 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2018 |
| Name | Verified Name |
|---|---|
| Address | 4217 LUVERNE ST DULUTH MN 558042152, DULUTH, MN 55804-2152 |
| Document Number | 00A1343333 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | A1343333 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | DULUTH, MN 55802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 2, 2017 |
| Property Address | 4217 LUVERNE ST, DULUTH, MN 55804-2152 |
| Document Number | 00A1319101 |
| Instrument Date | Sep 28, 2017 |
| Instrument | A1319101 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2017 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $531.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4217 LUVERNE ST DULUTH MN 558042152, DULUTH, MN 55804-2152 |
| Document Number | A1319102 |
|---|---|
| Date | Oct 2, 2017 |
| Instrument | A1319102 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
The 2026 property tax bill for 4217 Luverne St was $3,418 with a homeowner's exemption, up 7.3% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,418.00 (+7.28%) Homeowner's exemption | ||
| 2025 | $3,186.00 (+9.48%) Homeowner's exemption | $268,800 (+6.37%) Land $47,800 Building $221,000 | $268,800 (+6.37%) Land $47,800 Building $221,000 |
| 2024 | $2,910.00 | $252,700 Land $45,900 Building $206,800 | $252,700 Land $45,900 Building $206,800 |
| 2022 | $202,600 Land $35,400 Building $167,200 | $202,600 Land $35,400 Building $167,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4217 Luverne St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 risk around 4217 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 93% of the US · lower than 78% 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.
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 |
| 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.
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 |
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