St. Louis County property record for 4416 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,184 sqft · built 1975 |
| Lot Size | 0.379 acres (16,520 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (May 2007) |
| Tax Bill | $5,214 (2026) |
| Deeds & Mortgages | Dec 2022 Transfer Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-02010 |
| Primary APN | 010-2950-02010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,184 sqft Gross Area |
| 1st Floor Area | 1,184 sqft |
| Basement Area | 974 sqft |
| Finished Basement | 974 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 16,520 sqft (0.379 acres) |
| Garage Area | 672 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 160 sqft |
| Storage Building | 108 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1161925 |
|---|---|
| Street Address | 4416 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 EX WLY 32 FT AND ALL OF LOTS 4 & 5 SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 14 |
| Legal Lot Number | 3-5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 600 |
4416 Otsego St is owned and occupied by an individual who acquired it in November 2022.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4416 OTSEGO ST, DULUTH, MN 55804-1436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2022 | Intrafamily Transfer, Transfer |
| Nov 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWOODS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2007 · Amount on File |
| Deed Sale | May 8, 2007 · Amount on File |
| Prior Sale | Sep 1, 2006 · Amount on File |
| Deed Document Number | 2007836216 |
| Last Transfer Date | Nov 14, 2022 |
| Transfer Doc | 0001064514 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 13, 2022 |
| Property Address | 4416 OTSEGO ST, DULUTH, MN 55804-1436 |
| Document Number | 0001064514 |
| Instrument Date | Nov 1, 2022 |
| Instrument | 1064514 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4416 OTSEGO ST, DULUTH, MN 55804-1436 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4416 OTSEGO ST, DULUTH, MN 55804-1436 |
| Document Number | 00T1032463 |
| Instrument Date | Nov 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4416 OTSEGO ST DULUTH MN 558041436, DULUTH, MN 55804-1436 |
| Document Number | 00T1032463 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | T1032463 |
| Name | NORTHWOODS CU |
|---|---|
| Address | CLOQUET, MN 55720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 19, 2050 |
The 2026 property tax bill for 4416 Otsego St was $5,214 with a homeowner's exemption, up 7% 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 | $5,214.00 (+6.98%) Homeowner's exemption | ||
| 2025 | $4,874.00 (+2.48%) Homeowner's exemption | $390,500 (+6.32%) Land $73,900 Building $316,600 | $390,500 (+6.32%) Land $73,900 Building $316,600 |
| 2024 | $4,756.00 | $367,300 Land $71,300 Building $296,000 | $367,300 Land $71,300 Building $296,000 |
| 2022 | $314,200 Land $54,900 Building $259,300 | $314,200 Land $54,900 Building $259,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4416 Otsego St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 risk around 4416 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures