Rock County property record for 505 Michael St, Luverne, MN 56156
| Property Type | Single Family Home |
|---|---|
| Details | 1,542 sqft · built 1979 |
| Lot Size | 0.285 acres (12,451 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $203,000 (Apr 2008) |
| Tax Bill | $4,492 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage Feb 2017 Mortgage + 1 more |
| APN | 20-1821-000 |
| Primary APN | 20-1821-000 |
|---|
| Building Area | 1,542 sqft Living Area |
|---|---|
| Basement Area | 1,290 sqft |
| Finished Basement | 1,290 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 12,451 sqft (0.285 acres) |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 272 sqft |
| Cooling System | HVAC |
|---|
| Street Address | 505 MICHAEL ST |
|---|---|
| City | LUVERNE |
| State | MN |
| Zip | 56156-1038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | JUHL ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | ROCK MN |
| Township / Civil Division | LUVERNE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 570200 |
Source: Rock County records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 505 MICHAEL ST, LUVERNE, MN 56156-1038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MINNWEST BANK |
| Feb 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE |
| Nov 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2008 · Amount on Record |
| Deed Sale | Apr 1, 2008 · Amount on Record |
| Deed Document Number | 2008168719 |
| Prior Transfer Date | Oct 1, 2004 |
| Prior Transfer Doc | 160873 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCK MN |
| Property Address | 505 MICHAEL ST, LUVERNE, MN 56156-1038 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000202902 |
|---|---|
| Date | Aug 1, 2022 |
| Instrument | 202902 |
| Name | MINNWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 15, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCK MN |
| Property Address | 505 MICHAEL ST, LUVERNE, MN 56156-1038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 190078 |
|---|---|
| Date | Feb 3, 2017 |
| Instrument | 190078 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 288 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCK MN |
| Property Address | 505 MICHAEL ST, LUVERNE, MN 56156-1038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 198429 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 198429 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2040 |
| Rate Type | Fixed Rate |
|---|
Source: Rock County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Rock County |
| Municipality | Luverne City |
| Unified School District | Luverne Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,492.00 (+7.88%) | $414,400 (+2.12%) Land $17,400 Building $397,000 | $414,400 (+2.12%) Land $17,400 Building $397,000 |
| 2025 | $4,164.00 (+3.22%) | $405,800 (+13.42%) Land $17,400 Building $388,400 | $405,800 (+13.42%) Land $17,400 Building $388,400 |
| 2023 | $4,034.00 | $357,800 Land $14,900 Building $342,900 | $357,800 Land $14,900 Building $342,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 80% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | Luverne serves 4,946 people · EPA ID MN1670004 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Bluepeak Cable | 1,000 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Midco Fixed Wireless | 100 / 20 |
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