4331 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4331 Otsego St, Duluth, MN 55804 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1.5 Baths
Year Built	Built 1961
Square Footage	1,872 sqft Gross Area
Lot Size	18,620 sqft (0.427 acres)
Occupancy	Owner Occupied
Last Sale	$210,000 (2020)
Tax Bill	$4,836.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`010-2950-01730`
Alternative APN	`1101425`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	4 Rooms
Building Area	1,872 sqft Gross Area
1st Floor	1,392 sqft 1st Floor
Basement Area	480 sqft Basement
Finished Basement	480 sqft Finished
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Bungalow Style
Exterior Material	Wood Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Lot Area	18,620 sqft (0.427 acres)
Garage Type	Basement Garage

Exterior Amenities

Pool Type	Spa/Hot Tub (Only) Pool Type
Deck Area	120 sqft Deck
Sauna	Sauna
Storage Building	120 sqft Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating Fuel	Gas Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	1101425
Street Address	4331 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1435
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 10 & 11 INC PT OF VAC AVE ADJ SERIAL #
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	12
Legal Lot Number	10-11
Jurisdiction	ST LOUIS MN
Minor Civil Division	DULUTH
Census Blockgroup	4
Census Block	4003
Census Tract	600

Owner

Source: St. Louis County records · APN 010-2950-01730

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	4331 OTSEGO ST, DULUTH, MN 55804-1435
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Warranty Deed, Transfer · Conventional Mortgage HANCOCK MTG PTRS
Jul 14, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Sep 25, 1992	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN NAT'L BK/DULUTH

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 10, 2020 · Amount on Record
Deed Sale	Dec 10, 2020 · Amount on Record
Prior Sale	Oct 15, 2020
Deed Doc Number	20201033494
Prior Transfer Date	Aug 11, 2020
Prior Transfer Doc	0001030522
Record Refreshed	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 10, 2020
Property Address	4331 OTSEGO ST, DULUTH, MN 55804-1435
Document Number	00T1033494
Instrument Date	Nov 12, 2020
Instrument	T1033494
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	4331 OTSEGO ST DULUTH MN 558041435, DULUTH, MN 55804-1435

Mortgage

Document Number	T1033495
Date	Dec 10, 2020
Instrument	T1033495

Lender

Name	HANCOCK MTG PTRS
Type	Mortgage Company
Address	SUGAR LAND, TX 77478

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 09, 2050

July 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Jul 14, 2020
Property Address	4331 OTSEGO ST, DULUTH, MN 55804-1435
Document Number	00T1025815
Instrument Date	Jul 02, 2020
Instrument	T1025815
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 E LISMORE RD DULUTH MN 558049613, DULUTH, MN 55804-9613

September 1992: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4331 OTSEGO ST, DULUTH, MN 55804-1435
Document Number	00T1033493
Instrument Date	Sep 25, 1992
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	4331 OTSEGO ST DULUTH MN 558041435, DULUTH, MN 55804-1435

Mortgage

Document Number	00T1033493
Date	Dec 10, 2020
Instrument	T1033493

Lender

Name	FIRST AMERICAN NAT'L BK/DULUTH
Address	230 W SUPERIOR ST, DULUTH, MN 55802-1916

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,836.00 (+6.8%) Homeowner's exemption
2025	$4,528.00 (+12.52%) Homeowner's exemption	$364,800 (+6.14%) Land $79,700 Building $285,100	$364,800 (+6.14%) Land $79,700 Building $285,100
2024	$4,024.00	$343,700 (+27.34%) Land $76,800 Building $266,900	$343,700 (+27.34%) Land $76,800 Building $266,900
2022		$269,900 Land $59,100 Building $210,800	$269,900 Land $59,100 Building $210,800

Flood & Wildfire

4331 Otsego St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · St. Louis County (27137C), updated March 24, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 39th in Minnesota
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

4331 Otsego St, Duluth, MN 55804 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Affidavit of Death, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 1992: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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