St. Louis County property record for 4539 Emerson Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,232 sqft · built 1977 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,460 (2026) |
| Deeds & Mortgages | Nov 2019 Mortgage Sep 2019 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 375-0010-06035 |
| Primary APN | 375-0010-06035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Gross Area |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 920 sqft |
| Finished Basement | 920 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 780 sqft |
| Deck Area | 700 sqft |
| Storage Building | 121 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 1078285 |
|---|---|
| Street Address | 4539 EMERSON RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9474 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | SLY 1089 FT OF WLY 400 FT OF SW1/4 OF SE4-JAN SERIAL # |
| 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 | 4539 EMERSON RD, DULUTH, MN 55803-9474 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG |
| Sep 27, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 30, 2019 | Correction Deed, Transfer ATTORNEY ONLY |
| Jun 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2011 |
| Deed Sale | Jun 2, 2011 |
| Prior Sale | Jun 30, 2009 · Amount on Record |
| Deed Document Number | 2011900650 |
| Prior Transfer Date | May 29, 2009 |
| Prior Transfer Doc | 0000870948 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4539 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 00T1018316 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4539 EMERSON RD DULUTH MN 558039474, DULUTH, MN 55803-9474 |
| Document Number | 00T1018316 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | T1018316 |
| Name | AMERISAVE MTG |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 8, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 27, 2019 |
| Property Address | 4539 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 00T1015591 |
| Instrument Date | Sep 23, 2019 |
| Instrument | T1015591 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2019 |
| 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 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 30, 2019 |
| Property Address | 4539 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 00T1015611 |
| Instrument Date | Sep 23, 2019 |
| Instrument | T1015611 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4539 EMERSON RD DULUTH MN 558039474, DULUTH, MN 55803-9474 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4539 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 000T986272 |
| Instrument Date | Jun 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4539 EMERSON RD DULUTH MN 558039474, DULUTH, MN 55803-9474 |
| Document Number | 000T986272 |
|---|---|
| Date | Jun 22, 2017 |
| Instrument | T986272 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 21, 2027 |
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 | $4,460.00 (+6.44%) Homeowner's exemption | ||
| 2025 | $4,190.00 (+7.88%) Homeowner's exemption | $394,500 (-3.66%) Land $100,100 Building $294,400 | $394,500 (-3.66%) Land $100,100 Building $294,400 |
| 2024 | $3,884.00 | $409,500 (+27.53%) Land $92,500 Building $317,000 | $409,500 (+27.53%) Land $92,500 Building $317,000 |
| 2022 | $321,100 Land $87,000 Building $234,100 | $321,100 Land $87,000 Building $234,100 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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