St. Louis County property record for 4218 Luzerne Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,428 sqft · built 1920 |
| Lot Size | 1.9 acres (83,182 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $187,457 (Aug 2007) |
| Tax Bill | $4,612 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 520-0140-02510 |
| Primary APN | 520-0140-02510 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,428 sqft Gross Area |
| 1st Floor Area | 1,428 sqft |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 83,182 sqft (1.9 acres) |
| Garage Area | 1,560 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 66 sqft |
| Deck Area | 32 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 852960 |
|---|---|
| Street Address | 4218 LUZERNE RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-1241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | LOTS 22 AND 23 SERIAL # |
| Legal Subdivision | INGLESIDE PARK |
| Legal Block | 7 |
| Legal Lot Number | 22-23 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | RICE LAKE |
| Census Block Group | 2 |
| Census Block | 2025 |
| 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 | 4218 LUZERNE RD, DULUTH, MN 55803-1241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE |
| Aug 6, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/MOOSE LKS |
| Jan 24, 2020 | Deed of Trust, Mortgage FIRST NAT'L BK/MOOSE LKS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2007 · Amount on Record |
| Deed Sale | Aug 27, 2007 · Amount on Record |
| Prior Sale | Aug 27, 2003 · Amount on Record |
| Deed Document Number | 2007841710 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 13, 2026 |
| Property Address | 4218 LUZERNE RD, DULUTH, MN 55803-1241 |
| Document Number | 0001103493 |
| Instrument Date | Jun 19, 2026 |
| Instrument | 20261103493 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4218 LUZERNE RD, DULUTH, MN 55803-1241 |
| Document Number | 0001103493, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 20261103493 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4218 LUZERNE RD, DULUTH, MN 55803-1241 |
| Document Number | 00T1029685 |
| Instrument Date | Aug 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4218 LUZERNE RD DULUTH MN 558031241, DULUTH, MN 55803-1241 |
| Document Number | 00T1029685 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | T1029685 |
| Name | FIRST NAT'L BK/MOOSE LKS |
|---|---|
| Type | Bank |
| Address | MOOSE LAKE, MN 55767 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 29, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4218 LUZERNE RD, DULUTH, MN 55803-1241 |
| Document Number | 00T1020278 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | CARLTON COUNTY ABSTRACT AND TITLE, CARLTON CNTY ABSTRACT & TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4218 LUZERNE RD DULUTH MN 558031241, DULUTH, MN 55803-1241 |
| Document Number | 00T1020278 |
|---|---|
| Date | Feb 5, 2020 |
| Instrument | T1020278 |
| Name | FIRST NAT'L BK/MOOSE LKS |
|---|---|
| Type | Bank |
| Address | PO BOX 429, MOOSE LAKE, MN 55767-0429 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 4, 2050 |
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 | $4,612.00 (+3.64%) Homeowner's exemption | ||
| 2025 | $4,450.00 (+2.44%) Homeowner's exemption | $358,800 (+0.11%) Land $51,300 Building $307,500 | $358,800 (+0.11%) Land $51,300 Building $307,500 |
| 2024 | $4,344.00 | $358,400 (+17.66%) Land $50,900 Building $307,500 | $358,400 (+17.66%) Land $50,900 Building $307,500 |
| 2022 | $304,600 Land $48,400 Building $256,200 | $304,600 Land $48,400 Building $256,200 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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