St. Louis County property record for 4320 Luverne St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,239 sqft · built 1915 |
| Lot Size | 0.16 acres (7,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $189,000 (Sep 2014) |
| Tax Bill | $3,480 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2960-01620 |
| Primary APN | 010-2960-01620 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,239 sqft Gross Area |
| 1st Floor Area | 744 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,001 sqft (0.16 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 108 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Account Number | 976899 |
|---|---|
| Street Address | 4320 LUVERNE ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-2153 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0005 BLOCK:007 SERIAL # |
| Legal Subdivision | LONDON ADD TO DULUTH |
| Legal Block | 7 |
| Legal Lot Number | 5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 600 |
4320 Luverne St is owned and occupied by an individual who bought it in September 2014.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4320 LUVERNE ST, DULUTH, MN 55804-2153 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2014 · Amount on File |
| Deed Sale | Sep 30, 2014 · Amount on File |
| Prior Sale | Aug 1, 2011 · Amount on File |
| Deed Document Number | 20141246565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4320 LUVERNE ST, DULUTH, MN 55804-2153 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001406720 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 1406720 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
The 2026 property tax bill for 4320 Luverne St was $3,480 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 | $3,480.00 (+7.34%) Homeowner's exemption | ||
| 2025 | $3,242.00 (-1.22%) Homeowner's exemption | $272,700 (+6.27%) Land $47,800 Building $224,900 | $272,700 (+6.27%) Land $47,800 Building $224,900 |
| 2024 | $3,282.00 | $256,600 Land $46,200 Building $210,400 | $256,600 Land $46,200 Building $210,400 |
| 2022 | $225,100 Land $35,500 Building $189,600 | $225,100 Land $35,500 Building $189,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4320 Luverne St in Zone X, an area of minimal flood risk, within 500 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 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.
The area around 4320 Luverne St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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