4245 Emerson Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 4245 Emerson Rd, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,256 sqft · built 1903
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Tax Bill	$3,502 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`375-0010-05460`

Property Details

APN / Parcel Number

Primary APN	`375-0010-05460`
Alternative APN	`42058`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,256 sqft Gross Area
1st Floor Area	976 sqft
Basement Area	564 sqft
Finished Basement	564 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	1,742,400 sqft (40 acres)
Garage Area	1,200 sqft
Deck Area	72 sqft
Storage Building	384 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	42058
Street Address	4245 EMERSON RD
City	DULUTH
State	MN
Zip	55803-9324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	SE 1/4 OF SW 1/4 SERIAL #
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

4245 Emerson Rd is owned and occupied by an individual.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	4245 EMERSON RD, DULUTH, MN 55803-9324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Line of Credit MINNESOTA POWER EMPLOYEES CU
Jul 23, 2020	Deed of Trust, Mortgage · Conventional with PMI NATIONAL BK/CMRC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4245 EMERSON RD, DULUTH, MN 55803-9324
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 EMERSON RD, DULUTH, MN 55803-9324

Mortgage

Document Number	0001528086
Date	Feb 17, 2026
Instrument	1528086

Lender

Name	MINNESOTA POWER EMPLOYEES CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 16, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4245 EMERSON RD, DULUTH, MN 55803-9324
Document Number	00A1386607
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	STEWART TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4245 EMERSON RD DULUTH MN 558039324, DULUTH, MN 55803-9324

Mortgage

Document Number	00A1386607
Date	Jul 30, 2020
Instrument	A1386607

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jul 29, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 4245 Emerson Rd was $3,502 with a homeowner's exemption, up 6.3% from the year before.

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	$3,502.00 (+6.31%) Homeowner's exemption
2025	$3,294.00 (+5.64%) Homeowner's exemption	$385,300 (+13.36%) Land $139,900 Building $245,400	$385,300 (+13.36%) Land $139,900 Building $245,400
2024	$3,118.00	$339,900 Land $127,900 Building $212,000	$339,900 Land $127,900 Building $212,000
2022		$276,700 Land $120,100 Building $156,600	$276,700 Land $120,100 Building $156,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4245 Emerson Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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.

Wildfire

Wildfire risk around 4245 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.

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 and 4G LTE (outdoors only)

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