851 101st St, Luverne, MN 56156 Property Records

Rock County property record for 851 101st St, Luverne, MN 56156

Property Summary

Property Type	Single Family Home
Details	1,280 sqft · built 2017
Lot Size	3.45 acres (150,282 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jun 2019)
Tax Bill	$3,624 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Dec 2020 Mortgage + 2 more
APN	`02-0073-000`

Property Details

APN / Parcel Number

Primary APN	`02-0073-000`

Interior

Building Area	1,280 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	150,282 sqft (3.45 acres)
Garage Type	Mixed
Garage Area	1,757 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	200 sqft
Deck Area	77 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	851 101ST ST
City	LUVERNE
State	MN
Zip	56156-4006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.45 A TR IN S1/2 DESC AS: COM AT SE COR OF SEC 13; W ALG S LN OF SD SEC 2297.8' TO POB; N = E LN OF SD SEC 336'; W = S LN OF
Legal Range	46
Legal Township	102
Legal Section	13
Jurisdiction	ROCK MN
Township / Civil Division	BEAVER CREEK
Census Block Group	3
Census Block	3058
Census Tract	570100

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	2 Individual Names on Record
Mailing Address	851 101ST ST, LUVERNE, MN 56156-4006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK SOUTHWEST
Dec 31, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL CO
Jun 18, 2019	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO
Mar 4, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2019 · Amount on Record
Deed Sale	Jun 18, 2019 · Amount on Record
Prior Sale	Feb 16, 2016 · Amount on Record
Deed Document Number	20194943
Prior Transfer Date	Feb 22, 2019
Prior Transfer Doc	0000004343
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK MN
Property Address	851 101ST ST, LUVERNE, MN 56156-4006
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000191013
Date	Jul 14, 2017
Instrument	191013

Lender

Name	FIRST STATE BANK SOUTHWEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 10, 2027

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK MN
Property Address	851 101ST ST, LUVERNE, MN 56156-4006
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198954
Date	Dec 31, 2020
Instrument	198954

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK MN
Recording Date	Jun 18, 2019
Property Address	851 101ST ST, LUVERNE, MN 56156-4006
Document Number	0000194943
Instrument Date	Jun 4, 2019
Instrument	194943
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 101ST ST, LUVERNE, MN 56156-4006

Mortgage

Document Number	0000194944
Date	Jun 18, 2019
Instrument	194944

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROCK MN
Recording Date	Mar 4, 2019
Property Address	851 101ST ST, LUVERNE, MN 56156-4006
Document Number	0000194343
Instrument Date	Feb 22, 2019
Instrument	194343
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	875 101ST ST, LUVERNE, MN 56156-4006

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Rock County
County Subdivision	Beaver Creek Township
Unified School District	Hills-Beaver Creek School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,624.00 (+59.09%)	$433,900 (+8.94%) Land $63,300 Building $370,600	$433,900 (+8.94%) Land $63,300 Building $370,600
2023	$2,278.00	$398,300 Land $61,800 Building $336,500	$398,300 Land $61,800 Building $336,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2001–2019)
Most Recent Claim	Sep 2019 · river or lake flooding

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	Rock County Rural Water System serves 2,919 people · EPA ID MN1670007
Water Source	Purchased surface water from LEWIS AND CLARK REGIONAL WATER SYSTE
Last State Inspection	May 2025
Lead	1 ppb (2026) action level 15 ppb
Copper	1.61 mg/L (2024) action level 1.3 mg/L

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. 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alliance Communications Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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