4303 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4303 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 864 sqft · built 1969
Lot Size	0.192 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$179,400 (Mar 2017)
Tax Bill	$3,464 (2026)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2950-01800`

Property Details

APN / Parcel Number

Primary APN	`010-2950-01800`
Alternative APN	`1027899`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,400 sqft (0.192 acres)
Garage Area	720 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	88 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1027899
Street Address	4303 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL OF LOT 17 AND ELY 10 FT OF LOT 18 SERIAL #
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	12
Legal Lot Number	17-18
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4003
Census Tract	600

Owner

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	Individual Name on Record
Mailing Address	4303 OTSEGO ST, DULUTH, MN 55804-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2017 · Amount on Record
Deed Sale	Mar 30, 2017 · Amount on Record
Prior Sale	Sep 12, 2008 · Amount on Record
Deed Document Number	2017983487
Prior Transfer Date	Aug 27, 2008
Prior Transfer Doc	0000858491
Record Updated	Oct 29, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 30, 2017
Property Address	4303 OTSEGO ST, DULUTH, MN 55804-1435
Document Number	000T983487
Instrument Date	Mar 27, 2017
Instrument	T983487
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.02
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4303 OTSEGO ST DULUTH MN 558041435, DULUTH, MN 55804-1435

Mortgage

Document Number	T983488
Date	Mar 30, 2017
Instrument	T983488

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 29, 2032

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,464.00 (+7.18%) Homeowner's exemption
2025	$3,232.00 (-4.44%) Homeowner's exemption	$271,800 (+6.25%) Land $51,600 Building $220,200	$271,800 (+6.25%) Land $51,600 Building $220,200
2024	$3,382.00	$255,800 (+10.74%) Land $49,800 Building $206,000	$255,800 (+10.74%) Land $49,800 Building $206,000
2022		$231,000 Land $38,300 Building $192,700	$231,000 Land $38,300 Building $192,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 500 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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