4206 Emerson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4206 Emerson Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,856 sqft · built 2009
Lot Size	5.03 acres (219,107 sqft)
Owner	Individual Name on Record
Tax Bill	$7,040 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`375-0010-06631`

Property Details

APN / Parcel Number

Primary APN	`375-0010-06631`
Alternative APN	`870280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,856 sqft Gross Area
1st Floor Area	1,856 sqft
Basement Area	1,114 sqft
Finished Basement	1,114 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	219,107 sqft (5.03 acres)
Garage Area	1,008 sqft

Exterior Amenities

Porch	Slab
Porch Area	464 sqft
Deck Area	Deck Area
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	870280
Street Address	4206 EMERSON RD
City	DULUTH
State	MN
Zip	55803-9324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	THAT PART OF E1/2 OF E1/2 OF NE1/4 OF NW1/4COMM AT NE COR OF E1/2 OF E1/2 OF NE1/4 OFNW1/4 THENCE SLY ALONG E LINE 537.13 FT
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	4208 EMERSON RD, DULUTH, MN 55803-9324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Apr 17, 2017	Deed of Trust, Mortgage · Line of Credit LAKE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 4, 2008
Transfer Doc	0001104771
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4206 EMERSON RD, DULUTH, MN 55803-9324
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001468301
Date	Jun 20, 2023
Instrument	1468301

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4206 EMERSON RD, DULUTH, MN 55803-9324
Document Number	00A1307825
Instrument Date	Apr 17, 2017
Transaction Type	Mortgage
Record Updated	May 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4206 EMERSON RD DULUTH MN 558039324, DULUTH, MN 55803-9324

Mortgage

Document Number	00A1307825
Date	Apr 21, 2017
Instrument	A1307825

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2047

Interest

Rate Type	Adjustable Rate

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	$7,040.00 (+6.96%) Homeowner's exemption
2025	$6,582.00 (+21.53%) Homeowner's exemption	$641,000 (+5.55%) Land $73,400 Building $567,600	$641,000 (+5.55%) Land $73,400 Building $567,600
2024	$5,416.00	$607,300 (+38.87%) Land $69,400 Building $537,900	$607,300 (+38.87%) Land $69,400 Building $537,900
2022		$437,300 Land $65,400 Building $371,900	$437,300 Land $65,400 Building $371,900

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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