4601 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4601 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,293 sqft · built 1968
Lot Size	0.225 acres (9,800 sqft)
Owner	Individual Name on File
Last Sale	$241,000 (Aug 2018)
Tax Bill	$4,794 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2950-01315`

Property Details

APN / Parcel Number

Primary APN	`010-2950-01315`
Alternative APN	`1056957`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,293 sqft Gross Area
1st Floor Area	1,293 sqft
Basement Area	624 sqft
Finished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Split Foyer
Exterior Material	Metal
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	28 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1056957
Street Address	4601 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTERLY 37 FEET OF LOT 16, BLOCK 9, TOGETHERWITH THAT PORTION OF THE E1/2 OF VACATED 46THAVENUE EAST ABUTTING THEREON, AND
Legal Subdivision	LOEBS ADDITION TO LAKESIDE
Legal Block	9
Legal Lot Number	16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4009
Census Tract	600

Owner

4601 Otsego St is owned and occupied by an individual who acquired it in September 2021.

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 File
Mailing Address	4601 OTSEGO ST, DULUTH, MN 55804-1541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage WESTERN NATIONAL BANK
Aug 28, 2018	Warranty Deed, Transfer · Conventional Mortgage WESTERN NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2018 · Amount on File
Deed Sale	Aug 28, 2018 · Amount on File
Prior Sale	Sep 1, 2015 · Amount on File
Deed Document Number	20181002018
Last Transfer Date	Sep 13, 2021
Transfer Doc	0001047016
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4601 OTSEGO ST, DULUTH, MN 55804-1541
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001053175
Date	Feb 8, 2022
Instrument	1053175

Lender

Name	WESTERN NATIONAL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 28, 2018
Property Address	4601 OTSEGO ST, DULUTH, MN 55804-1541
Document Number	00A1002018
Instrument Date	Aug 13, 2018
Instrument	A1002018
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4601 OTSEGO ST DULUTH MN 558041541, DULUTH, MN 55804-1541

Mortgage

Document Number	A1002019
Date	Aug 28, 2018
Instrument	A1002019

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 4601 Otsego St was $4,794 with a homeowner's exemption, up 7.7% 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	$4,794.00 (+7.73%) Homeowner's exemption
2025	$4,450.00 (+2.49%) Homeowner's exemption	$361,700 (+6.85%) Land $57,100 Building $304,600	$361,700 (+6.85%) Land $57,100 Building $304,600
2024	$4,342.00	$338,500 Land $53,600 Building $284,900	$338,500 Land $53,600 Building $284,900
2022		$288,900 Land $41,200 Building $247,700	$288,900 Land $41,200 Building $247,700

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

Flood

FEMA maps place 4601 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 4601 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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