St. Louis County property record for 4301 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.25 ba · 1,352 sqft · built 1957 |
| Lot Size | 0.193 acres (8,442 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Apr 2023) |
| Tax Bill | $4,234 (2026) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Apr 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-01810 |
| Primary APN | 010-2950-01810 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,352 sqft Gross Area |
| 1st Floor Area | 944 sqft |
| Basement Area | 522 sqft |
| Finished Basement | 522 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 8,442 sqft (0.193 acres) |
| Garage Area | 780 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1147988 |
|---|---|
| Street Address | 4301 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EX ELY 10 FT SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 12 |
| Legal Lot Number | 18 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 600 |
4301 Otsego St is owned and occupied by an individual who bought it in April 2023.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4301 OTSEGO ST, DULUTH, MN 55804-1435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage ALERUS FINANCIAL NA |
| Apr 27, 2023 | Affidavit of Death of Joint Tenant, Transfer NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2023 · Amount on File |
| Deed Sale | Apr 27, 2023 · Amount on File |
| Deed Document Number | 20231067829 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 27, 2023 |
| Property Address | 4301 OTSEGO ST, DULUTH, MN 55804-1435 |
| Document Number | 0001067829 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 1067829 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Title Company | NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4301 OTSEGO ST, DULUTH, MN 55804-1435 |
| Document Number | 0001067830 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | 1067830 |
| Name | ALERUS FINANCIAL NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 27, 2023 |
| Property Address | 4301 OTSEGO ST, DULUTH, MN 55804-1435 |
| Document Number | 0001067828 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 1067828 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Title Company | NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4301 OTSEGO ST, DULUTH, MN 55804-1435 |
The 2026 property tax bill for 4301 Otsego St was $4,234 with a homeowner's exemption, up 7.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,234.00 (+7.19%) Homeowner's exemption | ||
| 2025 | $3,950.00 (+1.65%) Homeowner's exemption | $345,500 (+13.46%) Land $51,000 Building $294,500 | $345,500 (+13.46%) Land $51,000 Building $294,500 |
| 2024 | $3,886.00 | $304,500 Land $49,200 Building $255,300 | $304,500 Land $49,200 Building $255,300 |
| 2022 | $261,600 Land $37,900 Building $223,700 | $261,600 Land $37,900 Building $223,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4301 Otsego St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2013 · rainfall accumulation |
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.
Wildfire risk around 4301 Otsego St is low, with a 0.01% annual chance of wildfire.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Duluth serves 86,859 people · EPA ID MN1690011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
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