4401 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4401 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 984 sqft · built 1969
Lot Size	0.367 acres (16,016 sqft)
Owner	Individual Name on Record
Last Sale	$218,900 (Jul 2005)
Tax Bill	$4,258 (2026)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2950-01625`

Property Details

APN / Parcel Number

Primary APN	`010-2950-01625`
Alternative APN	`786475`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	984 sqft Gross Area
1st Floor Area	984 sqft
Basement Area	468 sqft
Finished Basement	468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	16,016 sqft (0.367 acres)
Garage Area	486 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	16 sqft
Deck Area	182 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	786475
Street Address	4401 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WLY 27 1/2 FT OF LOT 15 & ALL OF LOT 16INC PT OF VAC AVE ADJ & INC PT OF VACALLEY ADJ SERIAL #
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	11
Legal Lot Number	15,16I
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4003
Census Tract	600

Owner

Source: St. Louis County records, as of October 20, 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 Record
Mailing Address	4401 OTSEGO ST, DULUTH, MN 55804-1437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2005 · Amount on Record
Deed Sale	Jul 28, 2005 · Amount on Record
Deed Document Number	2005801879
Last Transfer Date	Oct 12, 2021
Transfer Doc	0001048604
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Oct 22, 2021
Property Address	4401 OTSEGO ST, DULUTH, MN 55804-1437
Document Number	0001048604
Instrument Date	Oct 12, 2021
Instrument	1048604
Transaction Type	Transfer
Record Updated	Jan 6, 2022
Title Company	NORTH SHORE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 OTSEGO ST, DULUTH, MN 55804-1437

Mortgage

Document Number	0001048605
Date	Oct 22, 2021
Instrument	1048605

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,258.00 (+6.88%) Homeowner's exemption
2025	$3,984.00 (-10.07%) Homeowner's exemption	$325,500 (+6.1%) Land $72,500 Building $253,000	$325,500 (+6.1%) Land $72,500 Building $253,000
2024	$4,430.00	$306,800 (+4.28%) Land $70,000 Building $236,800	$306,800 (+4.28%) Land $70,000 Building $236,800
2022		$294,200 Land $53,800 Building $240,400	$294,200 Land $53,800 Building $240,400

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

Flood

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
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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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