4125 Emerson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4125 Emerson Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,344 sqft · built 2011
Lot Size	9.1 acres (396,396 sqft)
Owner	2 Individual Names on Record
Last Sale	$779,900 (Jul 2026)
Tax Bill	$9,016 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`375-0010-05500`

Property Details

APN / Parcel Number

Primary APN	`375-0010-05500`
Alternative APN	`1069990`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,344 sqft Gross Area
1st Floor Area	2,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Combination
Construction Type	Frame
Lot Area	396,396 sqft (9.1 acres)
Garage Area	1,472 sqft

Exterior Amenities

Porch	Slab
Porch Area	384 sqft
Gazebo	270 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1069990
Street Address	4125 EMERSON RD
City	DULUTH
State	MN
Zip	55803-8311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	SE1/4 OF SE1/4 EX NLY 400 FT OF ELY 1089 FT;& EX ELY 534.06 FT OF SE1/4 OF SE1/4 LYING SOF NLY 400 FT; & EX BEGINNING AT A
Legal Range	14W
Legal Township	52N
Legal Section	28
Legal Subdivision	GNESEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	GNESEN
Census Block Group	2
Census Block	2018
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	2 Individual Names on Record
Mailing Address	4125 EMERSON RD, DULUTH, MN 55803-8311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK TRUST
May 6, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	May 6, 2019 · Amount on Record
Deed Document Number	20261536492
Prior Transfer Date	Apr 4, 2016
Prior Transfer Doc	00A1282825
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 16, 2026
Property Address	4125 EMERSON RD, DULUTH, MN 55803-8311
Document Number	0001536492
Instrument Date	Jul 1, 2026
Instrument	20261536492
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259,940.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4125 EMERSON RD, DULUTH, MN 55803-8311

Mortgage

Document Number	0001536493,
Date	Jul 16, 2026
Instrument	20261536493

Lender

Name	BANK TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 6, 2019
Property Address	4125 EMERSON RD, DULUTH, MN 55803-8311
Document Number	0001354207
Instrument Date	Apr 24, 2019
Instrument	1354207
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	NORTH SHORE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4125 EMERSON RD, DULUTH, MN 55803-8311

Mortgage

Document Number	0001354208
Date	May 6, 2019
Instrument	1354208

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$9,016.00 (+12.59%) Homeowner's exemption
2025		$770,500 (+2.23%) Land $97,200 Building $673,300	$770,500 (+2.23%) Land $97,200 Building $673,300
2024	$8,008.00	$753,700 (+23.74%) Land $90,300 Building $663,400	$753,700 (+23.74%) Land $90,300 Building $663,400
2022		$609,100 Land $85,000 Building $524,100	$609,100 Land $85,000 Building $524,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 9 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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