4630 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4630 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,236 sqft · built 1966
Lot Size	0.225 acres (9,800 sqft)
Owner	Individual Name on Record
Last Sale	$258,000 (Dec 2019)
Tax Bill	$4,072 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2950-02385`

Property Details

APN / Parcel Number

Primary APN	`010-2950-02385`
Alternative APN	`1083396`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,236 sqft Gross Area
1st Floor Area	1,236 sqft
Basement Area	840 sqft
Finished Basement	840 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	9,800 sqft (0.225 acres)
Garage Type	Basement
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	45 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1083396
Street Address	4630 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 20 FT OF LOT 7 AND ALL OF LOT 8 SERIAL #
Legal Subdivision	LOEBS ADDITION TO LAKESIDE
Legal Block	16
Legal Lot Number	7-8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4010
Census Tract	600

Owner

Source: St. Louis County records, as of October 22, 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	4630 OTSEGO ST, DULUTH, MN 55804-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 27, 2019	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BK/CMRC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Prior Sale	May 17, 2006 · Amount on Record
Deed Document Number	20191019020
Prior Transfer Date	May 17, 2013
Prior Transfer Doc	0000931452
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Oct 6, 2026
Property Address	4630 OTSEGO ST, DULUTH, MN 55804-1502
Document Number	0001106718
Instrument Date	Sep 23, 2026
Instrument	20261106718
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4630 OTSEGO ST, DULUTH, MN 55804-1502

Mortgage

Document Number	0001106718,
Date	Oct 6, 2026
Instrument	20261106718

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 27, 2019
Property Address	4630 OTSEGO ST, DULUTH, MN 55804-1502
Document Number	00T1019020
Instrument Date	Dec 13, 2019
Instrument	T1019020
Transaction Type	Transfer
Record Updated	Jan 16, 2020
Title Company	CONSOLIDATED TITLE COMPANY, CONSOLIDATED TITLE & ABS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4630 OTSEGO ST DULUTH MN 558041502, DULUTH, MN 55804-1502

Mortgage

Document Number	T1019021
Date	Dec 27, 2019
Instrument	T1019021

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2049

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	$4,072.00 (+7.16%) Homeowner's exemption
2025	$3,800.00 (-1.76%) Homeowner's exemption	$313,200 (+6.39%) Land $55,400 Building $257,800	$313,200 (+6.39%) Land $55,400 Building $257,800
2024	$3,868.00	$294,400 (+15.5%) Land $53,400 Building $241,000	$294,400 (+15.5%) Land $53,400 Building $241,000
2022		$254,900 Land $41,100 Building $213,800	$254,900 Land $41,100 Building $213,800

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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