4509 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4509 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,240 sqft · built 1966
Lot Size	0.234 acres (10,220 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Nov 2003)
Tax Bill	$4,458 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-2950-01445`

Property Details

APN / Parcel Number

Primary APN	`010-2950-01445`
Alternative APN	`751133`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,240 sqft Gross Area
1st Floor Area	1,240 sqft
Basement Area	440 sqft
Finished Basement	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	10,220 sqft (0.234 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	196 sqft
Deck Area	35 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	751133
Street Address	4509 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST 3 FEET OF LOT 13, ALL OF LOT 14 AND EAST20 FEET OF LOT 15, ALL IN BLOCK 10, INCLUDINGTHE S1/2 OF THE VACATED ALLEY
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	10
Legal Lot Number	13-15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4009
Census Tract	600

Owner

4509 Otsego St is owned and occupied by an individual who bought it in November 2003.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	4509 OTSEGO ST, DULUTH, MN 55804-1540
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 9, 2019	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2003 · Amount on File
Deed Sale	Nov 21, 2003 · Amount on File
Deed Document Number	2003765729
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4509 OTSEGO ST, DULUTH, MN 55804-1540
Transaction Type	Mortgage
Record Updated	Dec 20, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 OTSEGO ST, DULUTH, MN 55804-1540

Mortgage

Document Number	0001074825
Date	Nov 30, 2023
Instrument	1074825

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4509 OTSEGO ST, DULUTH, MN 55804-1540
Document Number	00T1017584
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 OTSEGO ST DULUTH MN 558041540, DULUTH, MN 55804-1540

Mortgage

Document Number	00T1017584
Date	Nov 15, 2019
Instrument	T1017584

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4509 Otsego St was $4,458 with a homeowner's exemption, up 7.8% from the year before.

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	$4,458.00 (+7.79%) Homeowner's exemption
2025	$4,136.00 (-2.5%) Homeowner's exemption	$348,400 (+9.84%) Land $58,300 Building $290,100	$348,400 (+9.84%) Land $58,300 Building $290,100
2024	$4,242.00	$317,200 Land $54,700 Building $262,500	$317,200 Land $54,700 Building $262,500
2022		$283,100 Land $42,100 Building $241,000	$283,100 Land $42,100 Building $241,000

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

Flood

FEMA maps place 4509 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

Wildfire risk around 4509 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	None beyond 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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