St. Louis County property record for 3521 Emerson Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,788 sqft · built 1982 |
| Lot Size | 4.83 acres (210,395 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,174 (2026) |
| Deeds & Mortgages | Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 375-0010-04897 |
| Primary APN | 375-0010-04897 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,788 sqft Gross Area |
| 1st Floor Area | 1,788 sqft |
| Basement Area | 1,788 sqft |
| Finished Basement | 1,788 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 210,395 sqft (4.83 acres) |
| Garage Area | 1,180 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 204 sqft |
| Lean-To | 360 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 67828 |
|---|---|
| Street Address | 3521 EMERSON RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | SLY 600 FT OF W 350 FT OF E 700 FT OFSE1/4 OF SE1/4 SERIAL # |
| Legal Range | 14W |
| Legal Township | 52N |
| Legal Section | 25 |
| Legal Subdivision | GNESEN TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GNESEN |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 10601 |
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3521 EMERSON RD, DULUTH, MN 55803-9743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3521 EMERSON RD, DULUTH, MN 55803-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3521 EMERSON RD, DULUTH, MN 55803-9743 |
| Document Number | 0001403050 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 1403050 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 4, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Gnesen Township |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,174.00 (+6.88%) Homeowner's exemption | ||
| 2025 | $6,712.00 (+13.23%) Homeowner's exemption | $625,300 (+1.26%) Land $81,100 Building $544,200 | $625,300 (+1.26%) Land $81,100 Building $544,200 |
| 2024 | $5,928.00 | $617,500 (+30.99%) Land $75,500 Building $542,000 | $617,500 (+30.99%) Land $75,500 Building $542,000 |
| 2022 | $471,400 Land $71,100 Building $400,300 | $471,400 Land $71,100 Building $400,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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