St. Louis County property record for 4328 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.25 ba · 1,225 sqft · built 1912 |
| Lot Size | 0.427 acres (18,620 sqft) |
| Owner | Individual Name on File |
| Last Sale | $327,500 (Dec 2024) |
| Tax Bill | $3,896 (2026) |
| Deeds & Mortgages | Apr 2026 Transfer Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-01890 |
| Primary APN | 010-2950-01890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,225 sqft Gross Area |
| 1st Floor Area | 700 sqft |
| Basement Area | 36 sqft |
| Finished Basement | 36 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 18,620 sqft (0.427 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 36 sqft |
| Deck Area | 36 sqft |
| Storage Building | 100 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1175679 |
|---|---|
| Street Address | 4328 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 8 AND 9 INC PT OF VAC AVE ADJ SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 13 |
| Legal Lot Number | 8-9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 600 |
4328 Otsego St is owned and occupied by an individual who acquired it in April 2026.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4328 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.
| Date | Document |
|---|---|
| Apr 14, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 11, 2017 | Warranty Deed, Transfer · VA Mortgage MEMBERS COOPERATIVE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2024 · Amount on File |
| Deed Sale | Dec 4, 2024 · Amount on File |
| Prior Sale | Jul 11, 2017 · Amount on File |
| Deed Document Number | 20241085580 |
| Last Transfer Date | Apr 13, 2026 |
| Transfer Doc | 0001100484 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 14, 2026 |
| Property Address | 4328 OTSEGO ST, DULUTH, MN 55804-1434 |
| Document Number | 0001100484 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 20261100484 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4328 OTSEGO ST, DULUTH, MN 55804-1434 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 11, 2017 |
| Property Address | 4328 OTSEGO ST, DULUTH, MN 55804-1434 |
| Document Number | 000T987032 |
| Instrument Date | Jul 7, 2017 |
| Instrument | T987032 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2017 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4328 OTSEGO ST DULUTH MN 558041434, DULUTH, MN 55804-1434 |
| Document Number | T987033 |
|---|---|
| Date | Jul 11, 2017 |
| Instrument | T987033 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | CLOQUET, MN 55720 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 10, 2047 |
The 2026 property tax bill for 4328 Otsego St was $3,896, up 14.9% 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 | $3,896.00 (+14.86%) | ||
| 2025 | $3,392.00 (+106.08%) Homeowner's exemption | $287,700 (+7.87%) Land $79,500 Building $208,200 | $287,700 (+7.87%) Land $79,500 Building $208,200 |
| 2024 | $1,646.00 | $266,700 Land $76,700 Building $190,000 | $266,700 Land $76,700 Building $190,000 |
| 2022 | $243,600 Land $59,000 Building $184,600 | $243,600 Land $59,000 Building $184,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4328 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 4328 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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