St. Louis County property record for 4322 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.25 ba · 888 sqft · built 1962 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Dec 2002) |
| Tax Bill | $3,310 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-01870 |
| Primary APN | 010-2950-01870 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 888 sqft Gross Area |
| 1st Floor Area | 888 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,000 sqft (0.16 acres) |
| Garage Area | 720 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 56 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 734003 |
|---|---|
| Street Address | 4322 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0006 BLOCK:013 SERIAL # |
| Legal Subdivision | LOEBS ADDITION TO LAKESIDE |
| Legal Block | 13 |
| Legal Lot Number | 6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 600 |
4322 Otsego St is owned and occupied by an individual who bought it in December 2002.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4322 OTSEGO ST, DULUTH, MN 55804-1434 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2002 · Amount on File |
| Deed Sale | Dec 26, 2002 · Amount on File |
| Deed Document Number | 2002738243 |
| Prior Transfer Date | Jul 12, 2001 |
| Prior Transfer Doc | 0000705816 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 4322 Otsego St was $3,310 with a homeowner's exemption, up 7.3% 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 | $3,310.00 (+7.26%) Homeowner's exemption | ||
| 2025 | $3,086.00 (+3%) Homeowner's exemption | $261,200 (+6.22%) Land $47,800 Building $213,400 | $261,200 (+6.22%) Land $47,800 Building $213,400 |
| 2024 | $2,996.00 | $245,900 Land $46,200 Building $199,700 | $245,900 Land $46,200 Building $199,700 |
| 2022 | $207,800 Land $35,500 Building $172,300 | $207,800 Land $35,500 Building $172,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4322 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 4322 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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