St. Louis County property record for 4781 Emerson Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.25 ba · 1,195 sqft · built 1992 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,594 (2026) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 365-0010-04574 |
| Primary APN | 365-0010-04574 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,195 sqft Gross Area |
| 1st Floor Area | 820 sqft |
| Basement Area | 615 sqft |
| Finished Basement | 615 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 780 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 49 sqft |
| Deck Area | Deck Area |
| Storage Building | 144 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 676822 |
|---|---|
| Street Address | 4781 EMERSON RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9474 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | W 1/2 OF S 1/2 OF SW 1/4 OF SE 1/4 EXWLY 336 FT SERIAL # |
| Legal Range | 15W |
| Legal Township | 52N |
| Legal Section | 25 |
| Legal Subdivision | FREDENBERG TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | FREDENBERG |
| Census Block Group | 1 |
| Census Block | 1032 |
| 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 | 4781 EMERSON RD, DULUTH, MN 55803-9474 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4781 EMERSON RD, DULUTH, MN 55803-9474 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | NATIONAL CLOSING SOLUTIONS |
| Name | Verified Name |
|---|
| Document Number | 0001414441 |
|---|---|
| Date | May 19, 2021 |
| Instrument | 1414441 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Fredenberg Township |
| Unified School District | Hermantown Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,594.00 (+1.89%) Homeowner's exemption | ||
| 2025 | $2,546.00 (+8.53%) Homeowner's exemption | $299,100 (+10.25%) Land $95,900 Building $203,200 | $299,100 (+10.25%) Land $95,900 Building $203,200 |
| 2024 | $2,346.00 | $271,300 (+19.57%) Land $79,700 Building $191,600 | $271,300 (+19.57%) Land $79,700 Building $191,600 |
| 2022 | $226,900 Land $69,100 Building $157,800 | $226,900 Land $69,100 Building $157,800 |
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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
5G (outdoors only) and 4G LTE
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