4714 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4714 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,437 sqft · built 1951
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$214,900 (Jun 2024)
Tax Bill	$3,818 (2026)
Deeds & Mortgages	Feb 2020 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2950-02510`

Property Details

APN / Parcel Number

Primary APN	`010-2950-02510`
Alternative APNs	`1047611` `1167365`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,437 sqft Gross Area
1st Floor Area	852 sqft
Basement Area	426 sqft
Finished Basement	426 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	24 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1167365
Street Address	4714 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:017 SERIAL #
Legal Subdivision	LOEBS ADDITION
Legal Block	17
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4011
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	4714 OTSEGO ST, DULUTH, MN 55804-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Feb 17, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2024 · Amount on Record
Deed Sale	Jun 17, 2024 · Amount on Record
Prior Sale	Feb 5, 2019 · Amount on Record
Deed Document Number	20241080294
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4714 OTSEGO ST, DULUTH, MN 55804-1542
Document Number	00T1021217
Instrument Date	Feb 17, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4714 OTSEGO ST DULUTH MN 558041542, DULUTH, MN 55804-1542

Mortgage

Document Number	00T1021217
Date	Mar 6, 2020
Instrument	T1021217

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Mar 5, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.94%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4714 OTSEGO ST, DULUTH, MN 55804-1542
Document Number	00T1021218
Instrument Date	Feb 17, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4714 OTSEGO ST DULUTH MN 558041542, DULUTH, MN 55804-1542

Mortgage

Document Number	00T1021218
Date	Mar 6, 2020
Instrument	T1021218

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Mar 5, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.94%

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	$3,818.00 (+15.84%)
2025	$3,296.00 (+9.94%) Homeowner's exemption	$276,800 (+6.38%) Land $47,800 Building $229,000	$276,800 (+6.38%) Land $47,800 Building $229,000
2024	$2,998.00	$260,200 (+25.16%) Land $46,200 Building $214,000	$260,200 (+25.16%) Land $46,200 Building $214,000
2022		$207,900 Land $35,500 Building $172,400	$207,900 Land $35,500 Building $172,400

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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