3560 Emerson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 3560 Emerson Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,648 sqft · built 2021
Lot Size	12.9 acres (565,409 sqft)
Owner	Individual Name on Record
Tax Bill	$7,848 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`375-0010-07464`

Property Details

APN / Parcel Number

Primary APN	`375-0010-07464`
Alternative APNs	`1110245` `1142872`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,648 sqft Gross Area
1st Floor Area	1,648 sqft
Basement Area	1,566 sqft
Finished Basement	1,566 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Lot Area	565,409 sqft (12.9 acres)
Garage Area	1,764 sqft

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Deck Area	280 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1142872
Street Address	3560 EMERSON RD
City	DULUTH
State	MN
Zip	55803-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EASTERLY 600 FEET OF E1/2 OF NW1/4 OF NE1/4,EXCEPT THE NORTHERLY 700 FEET OF EASTERLY300 FEET THEREOF; AND EXCEPT THE
Legal Range	14W
Legal Township	52N
Legal Section	36
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2029
Census Tract	10601

Owner

Source: St. Louis County records, as of August 19, 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	3560 EMERSON RD, DULUTH, MN 55803-9743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Line of Credit NATIONAL BANK OF COMMERCE
Apr 12, 2024	Quit Claim Deed, Transfer Quitclaim
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 4, 2023
Transfer Doc	0001078459
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3560 EMERSON RD, DULUTH, MN 55803-9743
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001096814
Date	Dec 4, 2025
Instrument	1096814

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 12, 2024
Property Address	3560 EMERSON RD, DULUTH, MN 55803-9743
Document Number	0001078459
Instrument Date	Nov 30, 2023
Instrument	1078459
Transaction Type	Transfer
Record Updated	May 6, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3562 EMERSON RD, DULUTH, MN 55803-9743

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3560 EMERSON RD, DULUTH, MN 55803-9743
Transaction Type	Mortgage
Record Updated	Oct 2, 2023
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001041379
Date	May 28, 2021
Instrument	1041379

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jun 1, 2022

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3560 EMERSON RD, DULUTH, MN 55803-9743
Transaction Type	Mortgage
Record Updated	Oct 2, 2023
Title Company	NORTH DAKOTA GUARANTY AND TITLE, NORTH DAKOTA GUARANTY & TTL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001054198
Date	Mar 10, 2022
Instrument	1054198

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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	$7,848.00 (+6.89%) Homeowner's exemption
2025	$7,342.00 (+12.47%) Homeowner's exemption	$665,400 (-0.25%) Land $101,900 Building $563,500	$665,400 (-0.25%) Land $101,900 Building $563,500
2024	$6,528.00	$667,100 (+30.24%) Land $93,800 Building $573,300	$667,100 (+30.24%) Land $93,800 Building $573,300
2022		$512,200 Land $88,700 Building $423,500	$512,200 Land $88,700 Building $423,500

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, 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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