St. Louis County property record for 4315 Luverne St, Duluth, MN 55804 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 2,336 sqft · built 1906 |
| Lot Size | 0.402 acres (17,509 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (May 2026) |
| Tax Bill | $6,188 (2026) |
| Deeds & Mortgages | Feb 2022 Second Mortgage Jun 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2960-02990 |
| Primary APN | 010-2960-02990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,336 sqft Gross Area |
| 1st Floor Area | 1,532 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 17,509 sqft (0.402 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 176 sqft |
| Deck Area | 15 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 1197779 |
|---|---|
| Street Address | 4315 LUVERNE ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-2154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 12 13 & LOT 14 EX WLY 25 FT SERIAL # |
| Legal Subdivision | LONDON ADDITION TO DULUTH |
| Legal Block | 14 |
| Legal Lot Number | 12-14 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-2960-02990
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TWO HARBORS FCU |
| Jun 09, 2025 | Deed of Trust, Mortgage · Line of Credit TWO HARBORS FCU |
| May 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FEDERAL CREDIT UNION |
| Dec 30, 2021 | Affidavit of Death of Joint Tenant, Transfer NORTH SHORE TITLE |
| Dec 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage TWO HARBORS FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on Record |
| Deed Sale | May 27, 2026 · Amount on Record |
| Prior Sale | Dec 30, 2021 · Amount on Record |
| Deed Document Number | 20261533209 |
| Prior Transfer Date | Apr 22, 2022 |
| Prior Transfer Doc | 0001444967 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001437652 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 1437652 |
| Name | TWO HARBORS FCU |
|---|---|
| Type | Credit Union |
| Address | TWO HARBORS, MN 55616 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 96 Months |
| Due | Feb 15, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Document Number | 0001511703 |
|---|---|
| Date | Jun 09, 2025 |
| Instrument | 1511703 |
| Name | TWO HARBORS FCU |
|---|---|
| Type | Credit Union |
| Address | TWO HARBORS, MN 55616 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 27, 2026 |
| Property Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Document Number | 0001533209 |
| Instrument Date | May 11, 2026 |
| Instrument | 20261533209 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2026 |
| Title Company | TITLE STREAM, TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $159,984.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Document Number | 0001533210, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 20261533210 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 30, 2021 |
| Property Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Document Number | 0001434131 |
| Instrument Date | Dec 29, 2021 |
| Instrument | 1434131 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | NORTH SHORE TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 30, 2021 |
| Property Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Document Number | 0001434132 |
| Instrument Date | Dec 29, 2021 |
| Instrument | 1434132 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $874.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4315 LUVERNE ST, DULUTH, MN 55804-2154 |
| Document Number | 0001434133 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 1434133 |
| Name | TWO HARBORS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,188.00 (+7.02%) Homeowner's exemption | ||
| 2025 | $5,782.00 (+23.86%) Homeowner's exemption | $454,600 (+6.02%) Land $76,600 Building $378,000 | $454,600 (+6.02%) Land $76,600 Building $378,000 |
| 2024 | $4,668.00 | $428,800 (+38.86%) Land $73,900 Building $354,900 | $428,800 (+38.86%) Land $73,900 Building $354,900 |
| 2022 | $308,800 Land $56,900 Building $251,900 | $308,800 Land $56,900 Building $251,900 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370006001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 8 individual NFIP policies nearby |
| Nearby Flood Policies | 8 in force 4 of 8 on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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