4627 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4627 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,193 sqft · built 1970
Lot Size	0.225 acres (9,800 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Feb 2023)
Tax Bill	$4,868 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2950-01260`

Property Details

APN / Parcel Number

Primary APN	`010-2950-01260`
Alternative APNs	`1007140` `1144775` `1153751`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,193 sqft Gross Area
1st Floor Area	1,193 sqft
Basement Area	960 sqft
Finished Basement	960 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	9,800 sqft (0.225 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	180 sqft
Deck Area	36 sqft
Storage Building	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1153751
Street Address	4627 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTERLY 17 FEET OF LOT 10, ALL OF LOT 11 ANDEASTERLY 3 FEET OF LOT 12, BLOCK 9, INCLUDINGTHE S1/2 OF THE VACATED ALLEY
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	9
Legal Lot Number	10-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4009
Census Tract	600

Owner

Source: St. Louis County records, 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 Record
Mailing Address	4627 OTSEGO ST, DULUTH, MN 55804-1541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2023 · Amount on Record
Deed Sale	Feb 15, 2023 · Amount on Record
Deed Document Number	20231066091
Record Updated	Sep 20, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 15, 2023
Property Address	4627 OTSEGO ST, DULUTH, MN 55804-1541
Document Number	0001066091
Instrument Date	Feb 15, 2023
Instrument	1066091
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	61 POLO RD, ESKO, MN 55733-9713

Mortgage

Document Number	0001066092
Date	Feb 15, 2023
Instrument	1066092

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.59%
Type Change Date	Apr 1, 2028
Change Frequency	3 Years
Min Rate At Change	4.99%
Max Rate At Change	11.5%
Index	3-Year TN
Max Rate	11.5%

Tax Assessment & Valuation

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	$4,868.00 (+7.56%) Homeowner's exemption
2025	$4,526.00 (-11.12%) Homeowner's exemption	$366,800 (+6.75%) Land $57,100 Building $309,700	$366,800 (+6.75%) Land $57,100 Building $309,700
2024	$5,092.00	$343,600 (+1.51%) Land $53,600 Building $290,000	$343,600 (+1.51%) Land $53,600 Building $290,000
2022		$338,500 Land $41,200 Building $297,300	$338,500 Land $41,200 Building $297,300

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

Flood

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

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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