St. Louis County property record for 3965 Emerson Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.25 ba · 2,138 sqft · built 1930 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (May 2012) |
| Tax Bill | $4,118 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit Feb 2021 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 375-0010-05290 |
| Primary APN | 375-0010-05290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,138 sqft Gross Area |
| 1st Floor Area | 1,800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 871,200 sqft (20 acres) |
| Garage Area | 624 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 304 sqft |
| Deck Area | 144 sqft |
| Lean-To | 144 sqft |
| Pole Barn | 1,440 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 933728 |
|---|---|
| Street Address | 3965 EMERSON RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-8310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | SW1/4 OF SE1/4 EX W1/2 SERIAL # |
| Legal Range | 14W |
| Legal Township | 52N |
| Legal Section | 27 |
| Legal Subdivision | GNESEN TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GNESEN |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 10601 |
Source: St. Louis County records, as of October 20, 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 | 3965 EMERSON RD, DULUTH, MN 55803-8310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 2, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2012 · Amount on Record |
| Deed Sale | May 29, 2012 · Amount on Record |
| Prior Sale | Jul 2, 2009 · Amount on Record |
| Deed Document Number | 20121187558 |
| Prior Transfer Date | Mar 30, 2008 |
| Prior Transfer Doc | 0001080783 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3965 EMERSON RD, DULUTH, MN 55803-8310 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 3965 EMERSON RD, DULUTH, MN 55803-8310 |
| Document Number | 0001443390 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 1443390 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 20, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3965 EMERSON RD, DULUTH, MN 55803-8310 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3965 EMERSON RD, DULUTH, MN 55803-8310 |
| Document Number | 0001402508 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 1402508 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Dec 30, 2035 |
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 | $4,118.00 (+6.41%) Homeowner's exemption | ||
| 2025 | $3,870.00 (+11.02%) Homeowner's exemption | $544,400 (+42.44%) Land $105,700 Building $438,700 | $544,400 (+42.44%) Land $105,700 Building $438,700 |
| 2024 | $3,486.00 | $382,200 (+30.4%) Land $97,300 Building $284,900 | $382,200 (+30.4%) Land $97,300 Building $284,900 |
| 2022 | $293,100 Land $91,600 Building $201,500 | $293,100 Land $91,600 Building $201,500 |
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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
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