4306 Luverne St, Duluth, MN 55804 Property Records

St. Louis County property record for 4306 Luverne St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,656 sqft · built 1913
Lot Size	0.321 acres (14,001 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Aug 2004)
Tax Bill	$4,096 (2026)
Deeds & Mortgages	Jul 2026 Transfer May 2026 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010-2960-01590`

Property Details

APN / Parcel Number

Primary APN	`010-2960-01590`
Alternative APN	`765572`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,656 sqft Gross Area
1st Floor Area	976 sqft
Basement Area	423 sqft
Finished Basement	423 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	14,001 sqft (0.321 acres)
Garage Area	240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	216 sqft
Deck Area	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	765572
Street Address	4306 LUVERNE ST
City	DULUTH
State	MN
Zip	55804-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2 AND 3 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	7
Legal Lot Number	2-3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1021
Census Tract	600

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4306 LUVERNE ST, DULUTH, MN 55804-2153
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
May 5, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Dec 29, 2016	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Oct 18, 2016	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2004 · Amount on Record
Deed Sale	Aug 18, 2004 · Amount on Record
Prior Sale	Aug 18, 2004 · Amount on Record
Deed Document Number	2004953916
Last Transfer Date	Jul 3, 2026
Transfer Doc	0001536029
Record Updated	Sep 20, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 10, 2026
Property Address	4306 LUVERNE ST, DULUTH, MN 55804-2153
Document Number	0001536029
Instrument Date	Jul 3, 2026
Instrument	20261536029
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4306 LUVERNE ST, DULUTH, MN 55804-2153

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 5, 2026
Property Address	4306 LUVERNE ST, DULUTH, MN 55804-2153
Document Number	0001101189
Instrument Date	May 5, 2026
Instrument	20261101189
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4306 LUVERNE ST, DULUTH, MN 55804-2153

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4306 LUVERNE ST, DULUTH, MN 55804-2153
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001446321
Date	Jun 29, 2022
Instrument	1446321

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 5, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4306 LUVERNE ST, DULUTH, MN 55804-2153
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001058195
Date	Jun 27, 2022
Instrument	1058195

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 5, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4306 LUVERNE ST, DULUTH, MN 55804-2153
Document Number	000T980688
Instrument Date	Dec 29, 2016
Transaction Type	Mortgage
Record Updated	Jan 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4306 LUVERNE ST DULUTH MN 558042153, DULUTH, MN 55804-2153

Mortgage

Document Number	000T980688
Date	Jan 9, 2017
Instrument	T980688

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 8, 2027

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4306 LUVERNE ST, DULUTH, MN 55804-2153
Document Number	00A1304525
Instrument Date	Oct 18, 2016
Transaction Type	Mortgage
Record Updated	Mar 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4306 LUVERNE ST DULUTH MN 558042153, DULUTH, MN 55804-2153

Mortgage

Document Number	00A1304525
Date	Feb 21, 2017
Instrument	A1304525

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 20, 2032

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,096.00 (+6.95%) Homeowner's exemption
2025	$3,830.00 (-2.35%) Homeowner's exemption	$314,700 (+6.17%) Land $67,000 Building $247,700	$314,700 (+6.17%) Land $67,000 Building $247,700
2024	$3,922.00	$296,400 (+12.36%) Land $64,600 Building $231,800	$296,400 (+12.36%) Land $64,600 Building $231,800
2022		$263,800 Land $49,700 Building $214,100	$263,800 Land $49,700 Building $214,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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