St. Louis County property record for 4419 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,264 sqft · built 1965 |
| Lot Size | 0.254 acres (11,100 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,814 (2026) |
| Deeds & Mortgages | Nov 2018 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-01590 |
| Primary APN | 010-2950-01590 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,264 sqft Gross Area |
| 1st Floor Area | 1,264 sqft |
| Basement Area | 560 sqft |
| Finished Basement | 560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 11,100 sqft (0.254 acres) |
| Garage Area | 480 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Deck Area | 72 sqft |
| Storage Building | 128 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 75886 |
|---|---|
| Street Address | 4419 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WLY 1/2 OF LOT 11 AND ALL OF LOT 12 INCPT OF VAC ALLEY ADJ SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 11 |
| Legal Lot Number | 11-12 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 600 |
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 Record |
|---|---|
| Mailing Address | 4419 OTSEGO ST, DULUTH, MN 55804-1437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Nov 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THRIVENT FCU |
| Jan 14, 2019 | Deed of Trust, Mortgage · ARM UNITED STATES OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4419 OTSEGO ST, DULUTH, MN 55804-1437 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0001004732 |
|---|---|
| Date | Nov 7, 2018 |
| Instrument | 1004732 |
| Name | THRIVENT FCU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55415 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4419 OTSEGO ST, DULUTH, MN 55804-1437 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001006918 |
|---|---|
| Date | Jan 14, 2019 |
| Instrument | 1006918 |
| Name | UNITED STATES OF AMERICA |
|---|---|
| Type | Government Agency |
| Address | MINNEAPOLIS, MN 55415 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 11, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Mar 1, 2024 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.99% |
| Max Rate At Change | 9.99% |
| Index | 5-Year CMT |
| Max Rate | 14.9% |
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 | $4,814.00 (+7.12%) Homeowner's exemption | ||
| 2025 | $4,494.00 (-4.3%) Homeowner's exemption | $357,400 (+6.37%) Land $59,100 Building $298,300 | $357,400 (+6.37%) Land $59,100 Building $298,300 |
| 2024 | $4,696.00 | $336,000 (+8.49%) Land $57,000 Building $279,000 | $336,000 (+8.49%) Land $57,000 Building $279,000 |
| 2022 | $309,700 Land $43,900 Building $265,800 | $309,700 Land $43,900 Building $265,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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