4730 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4730 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 962 sqft · built 1953
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$48,000 (Mar 2012)
Tax Bill	$2,048 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2950-02550`

Property Details

APN / Parcel Number

Primary APN	`010-2950-02550`
Alternative APNs	`1038794` `1156255`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	962 sqft Gross Area
1st Floor Area	962 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	440 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	48 sqft
Storage Building	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1156255
Street Address	4730 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0008 BLOCK:017 SERIAL #
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	17
Legal Lot Number	8
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4011
Census Tract	600

Owner

Source: St. Louis County assessment roll, 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 File
Mailing Address	4730 OTSEGO ST, DULUTH, MN 55804-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 17, 2023	Intrafamily Transfer, Transfer ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT AND TITLE
Sep 29, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 6, 2012 · Amount on Record
Deed Sale	Mar 6, 2012 · Amount on Record
Deed Document Number	2012911502
Last Transfer Date	Oct 6, 2023
Transfer Doc	0001073458
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4730 OTSEGO ST, DULUTH, MN 55804-1542
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001076455
Date	Jan 24, 2024
Instrument	1076455

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Oct 17, 2023
Property Address	4730 OTSEGO ST, DULUTH, MN 55804-1542
Document Number	0001073458
Instrument Date	Oct 6, 2023
Instrument	1073458
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT AND TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4730 OTSEGO ST, DULUTH, MN 55804-1542

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 29, 2017
Property Address	4730 OTSEGO ST, DULUTH, MN 55804-1542
Document Number	000T990327
Instrument Date	Sep 27, 2017
Instrument	T990327
Transaction Type	Transfer
Record Updated	Oct 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4730 OTSEGO ST DULUTH MN 558041542, DULUTH, MN 55804-1542

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	$2,048.00 (-43.27%) Homeowner's exemption
2025	$3,610.00 (+17.51%) Homeowner's exemption	$256,000 (+6.22%) Land $46,900 Building $209,100	$256,000 (+6.22%) Land $46,900 Building $209,100
2024		$241,000 (+30.91%) Land $45,300 Building $195,700	$241,000 (+30.91%) Land $45,300 Building $195,700
2023	$3,072.00 Homeowner's exemption
2022		$184,100 Land $34,900 Building $149,200	$184,100 Land $34,900 Building $149,200

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

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 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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