4427 Luverne St, Duluth, MN 55804 Property Records

St. Louis County property record for 4427 Luverne St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,660 sqft · built 1909
Lot Size	0.482 acres (21,008 sqft)
Owner	Individual Name on Record
Last Sale	$279,900 (Sep 2021)
Tax Bill	$5,656 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-2960-03120`

Property Details

APN / Parcel Number

Primary APN	`010-2960-03120`
Alternative APN	`1116405`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,660 sqft Gross Area
1st Floor Area	920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	21,008 sqft (0.482 acres)
Garage Area	1,268 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	376 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1116405
Street Address	4427 LUVERNE ST
City	DULUTH
State	MN
Zip	55804-2156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 10 AND 11 SERIAL #
Legal Subdivision	LONDON ADDITION
Legal Block	15
Legal Lot Number	9-10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5025
Census Tract	600

Owner

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	5829 ZENITH AVE S, EDINA, MN 55410-2833
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK
Mar 11, 2020	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK
Jul 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2021 · Amount on Record
Deed Sale	Sep 7, 2021 · Amount on Record
Deed Document Number	20211423755
Prior Transfer Date	Oct 29, 2018
Prior Transfer Doc	0001344016
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 7, 2021
Property Address	4427 LUVERNE ST, DULUTH, MN 55804-2156
Document Number	0001423755
Instrument Date	Aug 18, 2021
Instrument	1423755
Transaction Type	Transfer
Record Updated	Oct 1, 2021
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$923.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5829 ZENITH AVE S, EDINA, MN 55410-2833

Mortgage

Document Number	0001423756
Date	Sep 7, 2021
Instrument	1423756

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4427 LUVERNE ST, DULUTH, MN 55804-2156
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001413853
Date	May 13, 2021
Instrument	1413853

Lender

Name	FIDELITY BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 11, 2020
Property Address	4427 LUVERNE ST, DULUTH, MN 55804-2156
Document Number	00A1375574
Instrument Date	Feb 19, 2020
Instrument	A1375574
Transaction Type	Transfer
Record Updated	Apr 3, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$842.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4427 LUVERNE ST DULUTH MN 558042156, DULUTH, MN 55804-2156

Mortgage

Document Number	A1375575
Date	Mar 11, 2020
Instrument	A1375575

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 20, 2018
Property Address	4427 LUVERNE ST, DULUTH, MN 55804-2156
Document Number	00A1336984
Instrument Date	Jul 19, 2018
Instrument	A1336984
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4427 LUVEME ST DULUTH MN 55804, DULUTH, MN 55804

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	$5,656.00 (+6.44%)
2025	$5,314.00 (+6.88%)	$411,400 (+6.22%) Land $86,200 Building $325,200	$411,400 (+6.22%) Land $86,200 Building $325,200
2024	$4,972.00	$387,300 (+19.94%) Land $82,800 Building $304,500	$387,300 (+19.94%) Land $82,800 Building $304,500
2022		$322,900 Land $63,700 Building $259,200	$322,900 Land $63,700 Building $259,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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