St. Louis County property record for 4526 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,050 sqft · built 1958 |
| Lot Size | 0.208 acres (9,100 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,932 (2026) |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-02215 |
| Primary APN | 010-2950-02215 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,050 sqft Gross Area |
| 1st Floor Area | 1,050 sqft |
| Basement Area | 320 sqft |
| Finished Basement | 320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 9,100 sqft (0.208 acres) |
| Garage Area | 460 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 24 sqft |
| Deck Area | 352 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 965721 |
|---|---|
| Street Address | 4526 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 35 FT OF LOT 6 AND W 30 FT OF LOT 7 SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 15 |
| Legal Lot Number | 6-7 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 600 |
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 | PO BOX 3640, DULUTH, MN 55803-3640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4526 OTSEGO ST, DULUTH, MN 55804-1539 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | PO BOX 3640, DULUTH, MN 55803-3640 |
| Document Number | 0001074730 |
|---|---|
| Date | Nov 28, 2023 |
| Instrument | 1074730 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,932.00 (+7.2%) Homeowner's exemption | ||
| 2025 | $3,668.00 (-1.4%) Homeowner's exemption | $303,400 (+6.27%) Land $53,600 Building $249,800 | $303,400 (+6.27%) Land $53,600 Building $249,800 |
| 2024 | $3,720.00 | $285,500 (+13.61%) Land $51,700 Building $233,800 | $285,500 (+13.61%) Land $51,700 Building $233,800 |
| 2022 | $251,300 Land $39,800 Building $211,500 | $251,300 Land $39,800 Building $211,500 |
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 | None beyond 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 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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