St. Louis County property record for 4432 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,069 sqft · built 1923 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,000 (Apr 2026) |
| Tax Bill | $3,500 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-02070 |
| Primary APN | 010-2950-02070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,069 sqft Gross Area |
| 1st Floor Area | 875 sqft |
| Basement Area | 620 sqft |
| Finished Basement | 620 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,000 sqft (0.16 acres) |
| Garage Area | 352 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1195764 |
|---|---|
| Street Address | 4432 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0008 BLOCK:014 SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 14 |
| Legal Lot Number | 8 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 600 |
4432 Otsego St is owned and occupied by two individuals who bought it in April 2026.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4432 OTSEGO ST, DULUTH, MN 55804-1436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| May 11, 2020 | Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2026 · Amount on File |
| Deed Sale | Apr 1, 2026 · Amount on File |
| Prior Sale | May 11, 2020 · Amount on File |
| Deed Document Number | 20261100087 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 1, 2026 |
| Property Address | 4432 OTSEGO ST, DULUTH, MN 55804-1436 |
| Document Number | 0001100087 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 20261100087 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $103,989.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4432 OTSEGO ST, DULUTH, MN 55804-1436 |
| Document Number | 0001100088, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 20261100088 |
| Name | BELL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 11, 2020 |
| Property Address | 4432 OTSEGO ST, DULUTH, MN 55804-1436 |
| Document Number | 00T1023267 |
| Instrument Date | May 1, 2020 |
| Instrument | T1023267 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4432 OTSEGO ST DULUTH MN 558041436, DULUTH, MN 55804-1436 |
| Document Number | T1023268 |
|---|---|
| Date | May 11, 2020 |
| Instrument | T1023268 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 10, 2050 |
The 2026 property tax bill for 4432 Otsego St was $3,500 with a homeowner's exemption, up 7.2% 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 | $3,500.00 (+7.23%) Homeowner's exemption | ||
| 2025 | $3,264.00 (-2.57%) Homeowner's exemption | $274,200 (+6.28%) Land $47,700 Building $226,500 | $274,200 (+6.28%) Land $47,700 Building $226,500 |
| 2024 | $3,350.00 | $258,000 Land $46,100 Building $211,900 | $258,000 Land $46,100 Building $211,900 |
| 2022 | $229,100 Land $35,400 Building $193,700 | $229,100 Land $35,400 Building $193,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4432 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 4432 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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