4720 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4720 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1953
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$289,900 (Sep 2022)
Tax Bill	$3,920 (2026)
Deeds & Mortgages	Sep 2022 Sale Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2950-02520`

Property Details

APN / Parcel Number

Primary APN	`010-2950-02520`
Alternative APNs	`1041116` `1136887`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,404 sqft Gross Area
1st Floor Area	936 sqft
Basement Area	470 sqft
Finished Basement	470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	528 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1136887
Street Address	4720 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0005 BLOCK:017 SERIAL #
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	17
Legal Lot Number	5
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	4720 OTSEGO ST, DULUTH, MN 55804-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Warranty Deed, Transfer NORTH SHORE TITLE
Nov 6, 2017	Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2022 · Amount on Record
Deed Sale	Sep 14, 2022 · Amount on Record
Prior Sale	Nov 6, 2017 · Amount on Record
Deed Document Number	20221061195
Last Transfer Date	Feb 15, 2024
Transfer Doc	0001077009
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 14, 2022
Property Address	4720 OTSEGO ST, DULUTH, MN 55804-1542
Document Number	0001061195
Instrument Date	Sep 9, 2022
Instrument	1061195
Transaction Type	Transfer
Record Updated	Nov 17, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$956.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4720 OTSEGO ST, DULUTH, MN 55804-1542

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 6, 2017
Property Address	4720 OTSEGO ST, DULUTH, MN 55804-1542
Document Number	000T991802
Instrument Date	Oct 27, 2017
Instrument	T991802
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	CONSOLIDATED TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$669.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4720 OTSEGO ST DULUTH MN 558041542, DULUTH, MN 55804-1542

Mortgage

Document Number	T991803
Date	Nov 6, 2017
Instrument	T991803

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2047

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	$3,920.00 (+7.34%) Homeowner's exemption
2025	$3,652.00 (+3.69%) Homeowner's exemption	$302,400 (+6.33%) Land $47,800 Building $254,600	$302,400 (+6.33%) Land $47,800 Building $254,600
2024	$3,522.00	$284,400 (+18.8%) Land $46,200 Building $238,200	$284,400 (+18.8%) Land $46,200 Building $238,200
2022		$239,400 Land $35,500 Building $203,900	$239,400 Land $35,500 Building $203,900

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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