3531 Emerson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3531 Emerson Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,408 sqft · built 2003
Lot Size	6.91 acres (301,000 sqft)
Owner	Individual on Record
Last Sale	$87,036 (Jul 2018)
Tax Bill	$4,866 (2026)
Deeds & Mortgages	Jul 2021 Second Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`375-0010-04900`

Property Details

APN / Parcel Number

Primary APN	`375-0010-04900`
Alternative APN	`1053694`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,408 sqft Gross Area
1st Floor Area	1,408 sqft
Basement Area	1,030 sqft
Finished Basement	1,030 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	301,000 sqft (6.91 acres)
Garage Area	840 sqft
Deck Area	448 sqft
Storage Building	130 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1053694
Street Address	3531 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 500 FT OF ELY 1200 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

Owner

Source: St. Louis County assessment roll, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	3531 EMERSON RD, DULUTH, MN 55803-9743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBERS COOPERATIVE CU
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Jul 5, 2018	Grant Deed, Transfer MEMBERS COOPERATIVE CU
Feb 3, 2017	Grant Deed, Transfer ATTORNEY ONLY
Jan 24, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2018 · Amount on Record
Deed Sale	Jul 5, 2018 · Amount on Record
Deed Document Number	20181335881
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3531 EMERSON RD, DULUTH, MN 55803-9743
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001418784
Date	Jul 12, 2021
Instrument	1418784

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 11, 2031

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3531 EMERSON RD, DULUTH, MN 55803-9743
Document Number	00A1390667
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3531 EMERSON RD DULUTH MN 558039743, DULUTH, MN 55803-9743

Mortgage

Document Number	00A1390667
Date	Sep 16, 2020
Instrument	A1390667

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 5, 2018
Property Address	3531 EMERSON RD, DULUTH, MN 55803-9743
Document Number	00A1335881
Instrument Date	Jun 20, 2018
Instrument	A1335881
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	LAWYERS TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3531 EMERSON RD DULUTH MN 558039743, DULUTH, MN 55803-9743

Mortgage

Document Number	A1335882
Date	Jul 5, 2018
Instrument	A1335882

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 3, 2017
Property Address	3531 EMERSON RD, DULUTH, MN 55803-9743
Document Number	00A1303419
Instrument Date	Jan 25, 2017
Instrument	A1303419
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	14221 DALLAS PKWY #1000 DALLAS TX 752542946, 1000, DALLAS, TX 75254-2946
Investor	Possibly a Property Investor

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 24, 2017
Property Address	3531 EMERSON RD, DULUTH, MN 55803-9743
Document Number	00A1302665
Instrument Date	Jan 24, 2017
Instrument	A1302665
Transaction Type	Foreclosure
Record Updated	Feb 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$734.91
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Gnesen Township
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,866.00 (+6.52%) Homeowner's exemption
2025	$4,568.00 (+8.61%) Homeowner's exemption	$466,400 (+5.23%) Land $86,300 Building $380,100	$466,400 (+5.23%) Land $86,300 Building $380,100
2024	$4,206.00	$443,200 (+29.02%) Land $79,200 Building $364,000	$443,200 (+29.02%) Land $79,200 Building $364,000
2022		$343,500 Land $74,600 Building $268,900	$343,500 Land $74,600 Building $268,900

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, 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.

Wildfire

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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