523 N Cedar St, Luverne, MN 56156 Property Records

Rock County property record for 523 N Cedar St, Luverne, MN 56156

Property Summary

Property Type	Single Family Home
Details	936 sqft · built 1890
Lot Size	0.183 acres (7,988 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (Aug 2023)
Tax Bill	$1,166 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2022 Mortgage
APN	`20-0539-000`

Property Details

APN / Parcel Number

Primary APN	`20-0539-000`

Interior

Building Area	936 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	7,988 sqft (0.183 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	178 sqft

Location & Zoning

Street Address	523 N CEDAR ST
City	LUVERNE
State	MN
Zip	56156-1515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CRAWFORD'S ADDITION
Legal Lot Number	7
Jurisdiction	ROCK MN
Township / Civil Division	LUVERNE
Census Block Group	2
Census Block	2037
Census Tract	570200

Owner

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	Individual Name on Record
Mailing Address	523 N CEDAR ST, LUVERNE, MN 56156-1515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage SERVICE FIRST FCU
Sep 23, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2023 · Amount on Record
Deed Sale	Aug 23, 2023 · Amount on Record
Prior Sale	May 27, 2010 · Amount on Record
Deed Document Number	2023204915
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK MN
Property Address	523 N CEDAR ST, LUVERNE, MN 56156-1515
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204916
Date	Aug 23, 2023
Instrument	204916

Lender

Name	SERVICE FIRST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK MN
Property Address	523 N CEDAR ST, LUVERNE, MN 56156-1515
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203235
Date	Sep 23, 2022
Instrument	203235

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Rock County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Rock County
Municipality	Luverne City
Unified School District	Luverne Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,166.00 (+12.55%)	$133,800 (+3.08%) Land $9,600 Building $124,200	$133,800 (+3.08%) Land $9,600 Building $124,200
2025	$1,036.00 (+25.42%)	$129,800 (+29.8%) Land $9,600 Building $120,200	$129,800 (+29.8%) Land $9,600 Building $120,200
2023	$826.00	$100,000 Land $8,000 Building $92,000	$100,000 Land $8,000 Building $92,000

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

FEMA Flood Zone	Not on file

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 423 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Bluepeak Cable · Fiber in parts of the area	1,000 / 30
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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