St. Louis County property record for 4620 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,344 sqft · built 1957 |
| Lot Size | 0.208 acres (9,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $158,000 (Aug 2007) |
| Tax Bill | $4,428 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-02360 |
| Primary APN | 010-2950-02360 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Gross Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 714 sqft |
| Finished Basement | 714 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 9,100 sqft (0.208 acres) |
| Garage Type | Basement |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 224 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 851845 |
|---|---|
| Street Address | 4620 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 AND WLY 15 FT OF LOT 6 SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 16 |
| Legal Lot Number | 5-6 |
| 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 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 Record |
|---|---|
| Mailing Address | 4620 OTSEGO ST, DULUTH, MN 55804-1502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2007 · Amount on Record |
| Deed Sale | Aug 7, 2007 · Amount on Record |
| Deed Document Number | 2007840768 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4620 OTSEGO ST, DULUTH, MN 55804-1502 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001048626 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 1048626 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
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 | $4,428.00 (+7.22%) Homeowner's exemption | ||
| 2025 | $4,130.00 (-1.53%) Homeowner's exemption | $336,800 (+6.35%) Land $53,600 Building $283,200 | $336,800 (+6.35%) Land $53,600 Building $283,200 |
| 2024 | $4,194.00 | $316,700 (+13.07%) Land $51,700 Building $265,000 | $316,700 (+13.07%) Land $51,700 Building $265,000 |
| 2022 | $280,100 Land $39,800 Building $240,300 | $280,100 Land $39,800 Building $240,300 |
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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