4527 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4527 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,442 sqft · built 1967
Lot Size	0.225 acres (9,800 sqft)
Owner	Individual Name on File
Last Sale	$267,000 (Aug 2016)
Tax Bill	$5,194 (2026)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2950-01410`

Property Details

APN / Parcel Number

Primary APN	`010-2950-01410`
Alternative APN	`1013642`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,442 sqft Gross Area
1st Floor Area	1,442 sqft
Basement Area	676 sqft
Finished Basement	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	9,800 sqft (0.225 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	272 sqft
Storage Building	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1013642
Street Address	4527 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST 13 FEET OF LOT 9, ALL OF LOT 10 ANDLOT 11, EXCEPT THE WEST 43 FEET THEREOF, ALLIN BLOCK 10, INCLUDING THE N1/2 OF
Legal Subdivision	LOEBS ADDITION TO LAKESIDE
Legal Block	10
Legal Lot Number	9-11
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4009
Census Tract	600

Owner

4527 Otsego St is owned and occupied by an individual who bought it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	4527 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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2016 · Amount on File
Deed Sale	Aug 4, 2016 · Amount on File
Prior Sale	Sep 12, 2005 · Amount on File
Deed Document Number	2016974197
Prior Transfer Date	Apr 14, 2004
Prior Transfer Doc	0000775457
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4527 OTSEGO ST, DULUTH, MN 55804-1540
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036175
Date	Feb 5, 2021
Instrument	1036175

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4527 Otsego St was $5,194 with a homeowner's exemption, up 7.6% 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	$5,194.00 (+7.58%) Homeowner's exemption
2025	$4,828.00 (+3.83%) Homeowner's exemption	$388,700 (+6.76%) Land $57,100 Building $331,600	$388,700 (+6.76%) Land $57,100 Building $331,600
2024	$4,650.00	$364,100 Land $53,600 Building $310,500	$364,100 Land $53,600 Building $310,500
2022		$311,100 Land $41,200 Building $269,900	$311,100 Land $41,200 Building $269,900

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

Flood

FEMA maps place 4527 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 4527 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.

Nearby Properties on Otsego St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures