St. Louis County property record for 4305 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 732 sqft · built 1916 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,300 (Jun 2019) |
| Tax Bill | $1,752 (2026) |
| Deeds & Mortgages | Jun 2019 Sale & Line of Credit Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-01790 |
| Primary APN | 010-2950-01790 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 732 sqft Gross Area |
| 1st Floor Area | 732 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,000 sqft (0.16 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 91 sqft |
| Deck Area | 112 sqft |
| Storage Building | 140 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1072821 |
|---|---|
| Street Address | 4305 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0016 BLOCK:012 SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 12 |
| Legal Lot Number | 16 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 600 |
4305 Otsego St is owned and occupied by an individual who bought it in June 2019.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4305 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 |
|---|---|
| Jun 25, 2019 | Warranty Deed, Transfer · Line of Credit NORTH SHORE BK/COMMERCE |
| Mar 13, 2017 | Quit Claim Deed, Mortgage · FHA Mortgage GREENLIGHT LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2019 · Amount on File |
| Deed Sale | Jun 25, 2019 · Amount on File |
| Prior Sale | Dec 17, 2004 · Amount on File |
| Deed Document Number | 20191011793 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 25, 2019 |
| Property Address | 4305 OTSEGO ST, DULUTH, MN 55804-1435 |
| Document Number | 00T1011793 |
| Instrument Date | Jun 24, 2019 |
| Instrument | T1011793 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $364.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4305 OTSEGO ST DULUTH MN 558041435, DULUTH, MN 55804-1435 |
| Document Number | T1011795 |
|---|---|
| Date | Jun 25, 2019 |
| Instrument | T1011795 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 24, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Number | T1011794, |
|---|---|
| Date | Jun 25, 2019 |
| Instrument | T1011794 |
| Name | NORTH SHORE BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55802 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 24, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 13, 2017 |
| Property Address | 4305 OTSEGO ST, DULUTH, MN 55804-1435 |
| Document Number | 000T982938 |
| Instrument Date | Mar 3, 2017 |
| Instrument | T982938 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2017 |
| Title Company | TITLE 365 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4305 OTSEGO ST DULUTH MN 558041435, DULUTH, MN 55804-1435 |
| Document Number | T982939 |
|---|---|
| Date | Mar 13, 2017 |
| Instrument | T982939 |
| Name | GREENLIGHT LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 12, 2037 |
The 2026 property tax bill for 4305 Otsego St was $1,752 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 | $1,752.00 (+7.22%) Homeowner's exemption | ||
| 2025 | $1,634.00 (-1.09%) Homeowner's exemption | $156,300 (+5.97%) Land $47,800 Building $108,500 | $156,300 (+5.97%) Land $47,800 Building $108,500 |
| 2024 | $1,652.00 | $147,500 Land $46,200 Building $101,300 | $147,500 Land $46,200 Building $101,300 |
| 2022 | $126,700 Land $35,500 Building $91,200 | $126,700 Land $35,500 Building $91,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4305 Otsego St in Zone X, an area of minimal flood risk, within 500 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 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 risk around 4305 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 |
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 540 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
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