904 N Cedar St, Luverne, MN 56156 Property Records

Rock County property record for 904 N Cedar St, Luverne, MN 56156

Property Summary

Property Type	Single Family Home
Details	1,024 sqft · built 1969
Lot Size	0.166 acres (7,229 sqft)
Owner	2 Individual Names on File
Last Sale	$182,000 (Jan 2022)
Tax Bill	$2,008 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Mar 2018 Sale & Mortgage + 1 more
APN	`20-0378-000`

Property Details

APN / Parcel Number

Primary APN	`20-0378-000`

Interior

Building Area	1,024 sqft Living Area
Basement Area	494 sqft
Finished Basement	494 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	7,229 sqft (0.166 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	904 N CEDAR ST
City	LUVERNE
State	MN
Zip	56156-1375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 90' OF E1/2 OF LOT 1 & S 90' OF W 30' OF LOT 2 BLOCK 16
Legal Subdivision	BARCK, ADAMS & HOWE'S ADDITION
Legal Block	16
Legal Lot Number	1,2
Jurisdiction	ROCK MN
Township / Civil Division	LUVERNE
Census Block Group	2
Census Block	2009
Census Tract	570200

Owner

904 N Cedar St is owned and occupied by two individuals who bought it in January 2022.

Source: Rock County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	904 N CEDAR ST, LUVERNE, MN 56156-1375
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Warranty Deed, Transfer · Conventional Mortgage RELIABANK
Mar 19, 2018	Deed, Transfer · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Nov 24, 2014	Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2022 · Amount on File
Deed Sale	Jan 11, 2022 · Amount on File
Prior Sale	Mar 19, 2018 · Amount on File
Deed Document Number	2022201747
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK MN
Recording Date	Jan 11, 2022
Property Address	904 N CEDAR ST, LUVERNE, MN 56156-1375
Document Number	0000201747
Instrument Date	Dec 28, 2021
Instrument	201747
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	904 N CEDAR ST, LUVERNE, MN 56156-1375

Mortgage

Document Number	0000201748
Date	Jan 11, 2022
Instrument	201748

Lender

Name	RELIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCK MN
Recording Date	Mar 19, 2018
Property Address	904 N CEDAR ST, LUVERNE, MN 56156-1375
Document Number	0000192340
Instrument Date	Mar 7, 2018
Instrument	192340
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$404.25
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	904 N CEDAR ST, LUVERNE, MN 56156-1375

Mortgage

Document Number	0000192341
Date	Mar 19, 2018
Instrument	192341

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

November 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCK MN
Recording Date	Nov 24, 2014
Property Address	904 N CEDAR ST, LUVERNE, MN 56156-1375
Document Number	0000185027
Instrument Date	Nov 17, 2014
Instrument	185027
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Tax	$68.64
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	904 N CEDAR ST, LUVERNE, MN 56156-1375

Mortgage

Document Number	0000185028
Date	Nov 24, 2014
Instrument	185028

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2044

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 904 N Cedar St was $2,008.

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	$2,008.00	$205,800 Land $8,600 Building $197,200	$205,800 Land $8,600 Building $197,200
2023	$1,800.00	$175,700 Land $7,200 Building $168,500	$175,700 Land $7,200 Building $168,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 904 N Cedar St.

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

Wildfire risk around 904 N Cedar St is low, with less than a 0.01% annual chance of 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	None beyond 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 395 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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