St. Louis County property record for 4631 Emerson Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 0.75 ba · 1,910 sqft · built 1984 |
| Lot Size | 24.8 acres (1,082,466 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $2,092 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit May 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 375-0010-05985 |
| Primary APN | 375-0010-05985 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 0.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,910 sqft Gross Area |
| 1st Floor Area | 1,090 sqft |
| Basement Area | 640 sqft |
| Finished Basement | 640 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Lot Area | 1,082,466 sqft (24.8 acres) |
| Garage Area | 1,120 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 310 sqft |
| Deck Area | 32 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 53593 |
|---|---|
| Street Address | 4631 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 SW1/4 EX WLY 495 FT 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 October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4631 EMERSON RD, DULUTH, MN 55803-9474 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CREDIT UNION |
| May 4, 2023 | Deed of Trust, Mortgage · Conventional Mortgage SERVION INC |
| Mar 14, 2022 | Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU |
| May 31, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 17, 2019 |
| Transfer Doc | 00T1011005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 26, 2026 |
| Property Address | 4631 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 0001101841 |
| Instrument Date | Apr 7, 2026 |
| Instrument | 20261101841 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust, 189 |
| Document Number | 0001101841, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20261101841 |
| Name | NORTHERN COMMUNITIES CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4631 EMERSON RD, DULUTH, MN 55803-9474 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4631 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 0001068005 |
|---|---|
| Date | May 4, 2023 |
| Instrument | 1068005 |
| Name | SERVION INC |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT PAUL, MN 55112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4631 EMERSON RD, DULUTH, MN 55803-9474 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001054312 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 1054312 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 13, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 31, 2019 |
| Property Address | 4631 EMERSON RD, DULUTH, MN 55803-9474 |
| Document Number | 00T1011005 |
| Instrument Date | May 17, 2019 |
| Instrument | T1011005 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1.65 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4631 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 | $2,092.00 (-35.27%) Homeowner's exemption | ||
| 2025 | $3,232.00 (+6.81%) Homeowner's exemption | $360,000 (+10.53%) Land $97,000 Building $263,000 | $360,000 (+10.53%) Land $97,000 Building $263,000 |
| 2024 | $3,026.00 | $325,700 (+26%) Land $89,700 Building $236,000 | $325,700 (+26%) Land $89,700 Building $236,000 |
| 2022 | $258,500 Land $84,300 Building $174,200 | $258,500 Land $84,300 Building $174,200 |
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 100 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| CTC Fiber | 1,000 / 1,000 |
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