St. Louis County property record for 3568 Emerson Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,542 sqft · built 2022 |
| Lot Size | 3.95 acres (172,062 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $8,546 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 375-0010-07467 |
| Primary APN | 375-0010-07467 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 4,542 sqft Gross Area |
| 1st Floor Area | 3,757 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Construction Type | Frame |
| Lot Area | 172,062 sqft (3.95 acres) |
| Garage Area | 714 sqft |
| Porch | Patio |
| Porch Area | 125 sqft |
| Pole Barn | 2,560 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1111709 |
|---|---|
| Street Address | 3568 EMERSON RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PART OF N1/2 OF E1/2 OF W1/2 OF NW1/4 OFNE1/4 AND N1/2 OF W1/2 OF W1/2 OF NW1/4 OFNE1/4, DESCRIBED AS FOLLOWS: |
| Legal Range | 14W |
| Legal Township | 52N |
| Legal Section | 36 |
| Legal Subdivision | REST HAVEN BEACH |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GNESEN |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 10601 |
3568 Emerson Rd is owned and occupied by an individual.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3568 EMERSON RD, DULUTH, MN 55803-9743 |
| 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.
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Line of Credit WESTERN NATIONAL BANK |
| Nov 18, 2025 | Deed of Trust, Mortgage · Line of Credit WESTERN NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3568 EMERSON RD, DULUTH, MN 55803-9743 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001522888 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 1522888 |
| Name | WESTERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Nov 1, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3568 EMERSON RD, DULUTH, MN 55803-9743 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001096351 |
|---|---|
| Date | Nov 18, 2025 |
| Instrument | 1096351 |
| Name | WESTERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Nov 1, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 3568 Emerson Rd was $8,546.
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 | $8,546.00 | ||
| 2025 | $883,300 (+27.31%) Land $51,400 Building $831,900 | $883,300 (+27.31%) Land $51,400 Building $831,900 | |
| 2024 | $693,800 Land $25,500 Building $668,300 | $693,800 Land $25,500 Building $668,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3568 Emerson Rd in Zone X, an area of minimal flood risk.
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 risk around 3568 Emerson Rd is low, with 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 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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