St. Louis County property record for 4608 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,040 sqft · built 1957 |
| Lot Size | 0.208 acres (9,100 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,728 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-02335 |
| Primary APN | 010-2950-02335 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Gross Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 520 sqft |
| Finished Basement | 520 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 9,100 sqft (0.208 acres) |
| Garage Area | 299 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 35 sqft |
| Storage Building | 240 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 955195 |
|---|---|
| Street Address | 4608 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 30 FT OF LOT 2 AND W 35 FT OF LOT 3 SERIAL # |
| Legal Subdivision | LOEBS ADDITION TO LAKESIDE |
| Legal Block | 16 |
| Legal Lot Number | 2-3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 600 |
Source: St. Louis County assessment roll, as of August 17, 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 File |
|---|---|
| Mailing Address | 4608 OTSEGO ST, DULUTH, MN 55804-1502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 11, 2011 |
| Deed Sale | Apr 11, 2011 |
| Deed Document Number | 2011898787 |
| Prior Transfer Date | Jul 31, 2008 |
| Prior Transfer Doc | 0000856763 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4608 OTSEGO ST, DULUTH, MN 55804-1502 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001055882 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 1055882 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
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 | $3,728.00 (+7.19%) Homeowner's exemption | ||
| 2025 | $3,478.00 (+5.91%) Homeowner's exemption | $289,700 (+6.27%) Land $53,600 Building $236,100 | $289,700 (+6.27%) Land $53,600 Building $236,100 |
| 2024 | $3,284.00 | $272,600 (+20.99%) Land $51,700 Building $220,900 | $272,600 (+20.99%) Land $51,700 Building $220,900 |
| 2022 | $225,300 Land $39,800 Building $185,500 | $225,300 Land $39,800 Building $185,500 |
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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