4110 Emerson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4110 Emerson Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,984 sqft · built 2016
Lot Size	4.53 acres (197,327 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Sep 2020)
Tax Bill	$5,876 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`375-0010-06562`

Property Details

APN / Parcel Number

Primary APN	`375-0010-06562`
Alternative APN	`1096404`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,984 sqft Gross Area
1st Floor Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Metal
Construction Type	Frame
Lot Area	197,327 sqft (4.53 acres)
Garage Area	896 sqft

Exterior Amenities

Porch	Slab
Porch Area	228 sqft
Deck Area	320 sqft
Storage Building	640 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1096404
Street Address	4110 EMERSON RD
City	DULUTH
State	MN
Zip	55803-8311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N1/2 OF NE1/4 OF NE1/4 EX COMMENCING AT THENW CORNER OF SAID N1/2 OF NE1/4 OF NE1/4 AS APOINT OF BEGINNING; THENCE ELY ALONG
Legal Range	14W
Legal Township	52N
Legal Section	33
Legal Subdivision	GNESEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2022
Census Tract	10601

Owner

Source: St. Louis County records, 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 Name on Record
Mailing Address	4110 EMERSON RD, DULUTH, MN 55803-8311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Line of Credit NATIONAL COMMERCE BANK
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit NORTHEAST ENTERPRENEUR FUND
Sep 17, 2020	Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE
Sep 18, 2017	Deed of Trust, Mortgage LEND SMART MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Deed Document Number	20201029131
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2026
Property Address	4110 EMERSON RD, DULUTH, MN 55803-8311
Document Number	0001105210
Instrument Date	Aug 5, 2026
Instrument	20261105210
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	4110 EMERSON RD, DULUTH, MN 55803-8311
Investor	Possibly a Property Investor

Mortgage

Document Number	0001105210,
Date	Aug 24, 2026
Instrument	20261105210

Lender

Name	NATIONAL COMMERCE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 10, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Apr 28, 2026
Property Address	4110 EMERSON RD, DULUTH, MN 55803-8311
Document Number	0001100955
Instrument Date	Mar 12, 2026
Instrument	20261100955
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4110 EMERSON RD, DULUTH, MN 55803-8311
Investor	Possibly a Property Investor

Mortgage

Document Number	0001100955,
Date	Apr 28, 2026
Instrument	20261100955

Lender

Name	NORTHEAST ENTERPRENEUR FUND

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	86 Months
Due	Jun 29, 2033

Interest

Rate	6.09%
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 17, 2020
Property Address	4110 EMERSON RD, DULUTH, MN 55803-8311
Document Number	00T1029131
Instrument Date	Sep 15, 2020
Instrument	T1029131
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,518.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4110 EMERSON RD DULUTH MN 558038311, DULUTH, MN 55803-8311

Mortgage

Document Number	T1029132
Date	Sep 17, 2020
Instrument	T1029132

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4110 EMERSON RD, DULUTH, MN 55803-8311
Document Number	000T990129
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4110 EMERSON RD DULUTH MN 558038311, DULUTH, MN 55803-8311

Mortgage

Document Number	000T990129
Date	Sep 26, 2017
Instrument	T990129

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

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	$5,876.00 (+7.07%) Homeowner's exemption
2025	$5,488.00 (+4.18%) Homeowner's exemption	$552,100 (+5.93%) Land $75,800 Building $476,300	$552,100 (+5.93%) Land $75,800 Building $476,300
2024	$5,268.00	$521,200 (+23.07%) Land $48,900 Building $472,300	$521,200 (+23.07%) Land $48,900 Building $472,300
2022		$423,500 Land $46,200 Building $377,300	$423,500 Land $46,200 Building $377,300

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 12 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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