Does this property have an HOA?

Yes. The HOA fee is $750 per month.

What are the annual property taxes?

Annual property taxes are $1,652 (2025).

What school district is this property in?

This property is in the 704 - Proctor school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 72 days.

Listed at

$179,900

$85/sqft

42 S Elder Drive

42 S Elder Drive, Duluth, MN, 55810

4 Bedrooms2 Bathrooms2,128 Square Feet0.2 Acres

Days on market72

Year built1998

Garage spaces2

HOA / month$750

TypeResidential

Est. $2,397buyer credit when you buy with SODL

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About this home

Discover the ease of one-level living in this well-maintained, move-in-ready 4BR/2BA home in Zenith Terrace! Complete with a spacious 2-car garage, this property shines with thoughtful updates throughout, including a new roof (2025), updated deck (2022), newer flooring and carpet (2022), refreshed landscaping, new paint on all ceilings and walls, newer plumbing, and newer appliances (except the stove). With a convenient location and easy living all on one level, this home is ready for its next owner. Lot rent is $750/month, and buyer approval is required by Zenith Terrace. Call today before this one is gone!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1998

LevelsOne

Living area2,128 sqft

Above-grade finished2,128 sqft

Below-grade finished0 sqft

Lot size0.2 acres (110x80)

Days on market72

ListedApr 7, 2026

MLS #NST7048188

CountySt. Louis

Parcel #010000002075

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 22x22 · 484 sqft
Parking features: Detached Garage, Asphalt
Patio & porch: Deck
Exterior features: Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Other · 2,128 sqft
Roof: Age 8 Years or Less
Year built: 1998

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 200+ Amp Service
Land lease: Yes · $750

Community & HOA

HOA: $750/month
HOA name: Zenith Terrace
HOA phone: 2182039998
HOA includes: Lawn Care
School district: 704 - Proctor
High school district: Proctor

Financial & listing details

Annual tax: $1,652 (2025)
Listed: Apr 7, 2026
Days on market: 72 · 55 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementCrawl Space

HeatingForced Air

CoolingCentral Air

LaundryElectric Dryer Hookup, Laundry Room, Main Level, Washer Hookup

AppliancesDishwasher, Dryer, Range, Refrigerator, Washer

DiningLiving/Dining Room

AmenitiesCeiling Fan(s), Deck, Kitchen Window, Main Floor Primary Bedroom, Paneled Doors, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special features4 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less

FoundationOther

Foundation area2,128 sqft

Patio/porchDeck

Lot featuresPublic Transit (w/in 6 blks), Tree Coverage - Light

Road frontageCity Street

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Asphalt

Garage spaces2

Garage size484 sqft

Financial details

Annual taxes$1,652

Tax year2025

Taxes w/ assessments1652

Assessment pendingNo

HOA fee$750

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District704 - Proctor

District number704

District phone2186284934

High schoolProctor

SODL flat fee brokerage

$2,397Estimated buyer credit

SODL platform fee $3,000Your buyer credit $2,397

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

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Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$1,893/mo

Principal & interest$945

Property taxes$138

Home insurance (est.)$60

HOA fees$750

Down payment

$35,980

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.