St. Louis County property record for 4515 Emerson Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,196 sqft · built 1973 |
| Lot Size | 21.5 acres (936,976 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $259,900 (Sep 2018) |
| Tax Bill | $1,070 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 375-0010-06030 |
| Primary APN | 375-0010-06030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Gross Area |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 936,976 sqft (21.5 acres) |
| Garage Area | 864 sqft |
| Deck Area | 147 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1056902 |
|---|---|
| Street Address | 4515 EMERSON RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9474 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | SW1/4 OF SE1/4, EXCEPT THE SOUTHERLY 1089FEET OF WESTERLY 400 FEET; AND EXCEPT THENORTHERLY 300 FEET; AND EXCEPT COMMENCING |
| Legal Range | 14W |
| Legal Township | 52N |
| Legal Section | 30 |
| Legal Subdivision | GNESEN TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GNESEN |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 10602 |
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 | 4515 EMERSON RD, DULUTH, MN 55803-9474 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2022 | Deed of Trust, Mortgage · Line of Credit HERMANTOWN FCU |
| Mar 2, 2021 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Apr 3, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Sep 5, 2018 | Warranty Deed, Transfer · VA Mortgage NORTH SHORE BK/COMMERCE |
| Sep 5, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2018 · Amount on Record |
| Deed Sale | Sep 5, 2018 · Amount on Record |
| Deed Document Number | 20181002327 |
| Prior Transfer Date | Aug 24, 2018 |
| Prior Transfer Doc | 0001002326 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4515 EMERSON RD, DULUTH, MN 55803-9474 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4515 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 0001064773 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 1064773 |
| Name | HERMANTOWN FCU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4515 EMERSON RD, DULUTH, MN 55803-9474 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0001037259 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 1037259 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4515 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 00T1022327 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 4515 EMERSON RD DULUTH MN 558039474, DULUTH, MN 55803-9474 |
| Document Number | 00T1022327 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | T1022327 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 5, 2018 |
| Property Address | 4515 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 0001002327 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 1002327 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2018 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $857.67 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4515 EMERSON RD DULUTH MN 558039474, DULUTH, MN 55803-9474 |
| Document Number | 1002328 |
|---|---|
| Date | Sep 5, 2018 |
| Instrument | 1002328 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 4, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 5, 2018 |
| Property Address | 4515 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 0001002326 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 1002326 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4539 EMERSON RD DULUTH MN 558039474, DULUTH, MN 55803-9474 |
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 | $1,070.00 (+15.8%) Homeowner's exemption | ||
| 2025 | $924.00 (+84.8%) Homeowner's exemption | $457,300 (+17.44%) Land $127,000 Building $330,300 | $457,300 (+17.44%) Land $127,000 Building $330,300 |
| 2024 | $500.00 | $389,400 (+26.1%) Land $105,900 Building $283,500 | $389,400 (+26.1%) Land $105,900 Building $283,500 |
| 2022 | $308,800 Land $99,500 Building $209,300 | $308,800 Land $99,500 Building $209,300 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 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 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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