St. Louis County property record for 4319 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,008 sqft · built 1959 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $147,500 (Jun 2005) |
| Tax Bill | $3,596 (2026) |
| Deeds & Mortgages | Jun 2026 Sale Dec 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-01760 |
| Primary APN | 010-2950-01760 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Gross Area |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,000 sqft (0.16 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 163 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1062389 |
|---|---|
| Street Address | 4319 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0013 BLOCK:012 SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 12 |
| Legal Lot Number | 13 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 600 |
4319 Otsego St is held in a trust since May 2026.
Source: St. Louis County records, as of August 31, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4420 LONDON RD, DULUTH, MN 55804-2179 |
| Owner Type | Company |
| Vesting | Trust |
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 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 14, 2020 | Loan Modification, Mortgage WESTERN NAT'L BK |
| Dec 15, 2016 | Loan Modification, Mortgage |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2005 · Amount on File |
| Deed Sale | Jun 8, 2005 · Amount on File |
| Prior Sale | May 9, 2001 · Amount on File |
| Deed Document Number | 2005798990 |
| Last Transfer Date | May 27, 2026 |
| Transfer Doc | 0001102350 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 10, 2026 |
| Property Address | 4319 OTSEGO ST, DULUTH, MN 55804-1435 |
| Document Number | 0001102350 |
| Instrument Date | May 27, 2026 |
| Instrument | 20261102350 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 4420 LONDON RD, DULUTH, MN 55804-2179 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4319 OTSEGO ST, DULUTH, MN 55804-1435 |
| Document Number | 00T1033932 |
| Instrument Date | Dec 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4319 OTSEGO ST DULUTH MN 558041435, DULUTH, MN 55804-1435 |
| Document Number | 00T1033932 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | T1033932 |
| Name | WESTERN NAT'L BK |
|---|---|
| Type | Bank |
| Address | DULUTH, MN 55816-0050 |
| Term | 60 Months |
|---|---|
| Due | Dec 17, 2025 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4319 OTSEGO ST, DULUTH, MN 55804-1435 |
| Document Number | 000T981795 |
| Instrument Date | Dec 15, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 714 RIDGEWOOD RD DULUTH MN 558041731, DULUTH, MN 55804-1731 |
The 2026 property tax bill for 4319 Otsego St was $3,596, up 6.6% 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 | $3,596.00 (+6.58%) | ||
| 2025 | $3,374.00 (+2.99%) | $260,600 (+6.32%) Land $47,800 Building $212,800 | $260,600 (+6.32%) Land $47,800 Building $212,800 |
| 2024 | $3,276.00 | $245,100 Land $46,200 Building $198,900 | $245,100 Land $46,200 Building $198,900 |
| 2022 | $212,200 Land $35,500 Building $176,700 | $212,200 Land $35,500 Building $176,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4319 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 4319 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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