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4802 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4802 Otsego St, Duluth, MN 55804 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.75 ba · 1,638 sqft · built 1951
Lot Size0.16 acres (7,000 sqft)
OwnerIndividual Name on File
Last Sale$194,000 (Sep 2005)
Tax Bill$5,160 (2026)
Deeds & MortgagesDec 2023 Mortgage
Nov 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN010-2950-02640

Property Details

APN / Parcel Number

Primary APN010-2950-02640
Alternative APN
  • 788005

Interior

Bedrooms4 Beds
Full Baths1.75 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Building Area1,638 sqft Gross Area
1st Floor Area1,248 sqft 1st Floor
Basement Area1,200 sqft Basement
Finished Basement1,200 sqft Finished
Stories1 Story
FireplaceFireplace
Fireplaces1 Fireplace

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Lot Area7,000 sqft (0.16 acres)
Garage Area1,296 sqft Garage
Pool TypeSpa / Hot Tub (No Pool)
Deck Area180 sqft Deck
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Account Number788005
Street Address4802 OTSEGO ST
CityDULUTH
StateMN
Zip55804-1646
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT: 0001 BLOCK:018 SERIAL #
Legal SubdivisionLOEBS ADD TO LAKESIDE DULUTH
Legal Block18
Legal Lot Number1
JurisdictionST LOUIS MN
Township / Civil DivisionDULUTH
Census Block Group4
Census Block4012
Census Tract600

Owner

Source: St. Louis County records · APN 010-2950-02640

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address4802 OTSEGO ST, DULUTH, MN 55804-1646
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 18, 2023Deed of Trust, Mortgage
CITY OF DULUTH
Nov 19, 2020Deed of Trust, Mortgage · Conventional Mortgage
NATIONAL BK/CMRC
Oct 11, 2019Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 01, 2005 · Amount on Record
Deed SaleSep 01, 2005 · Amount on Record
Deed Document Number2005803733
Record UpdatedSep 20, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4802 OTSEGO ST, DULUTH, MN 55804-1646
Transaction TypeMortgage
Record UpdatedJan 22, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001075344
DateDec 18, 2023
Instrument1075344
Lender
NameCITY OF DULUTH
TypeGovernment Agency
AddressDULUTH, MN 55802
Agreement
AmountAmount Recorded

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4802 OTSEGO ST, DULUTH, MN 55804-1646
Document Number00T1032868
Instrument DateNov 19, 2020
Transaction TypeMortgage
Record UpdatedDec 30, 2020
Title CompanyNORTH SHORE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address4802 OTSEGO ST DULUTH MN 558041646, DULUTH, MN 55804-1646

Mortgage

Document Number00T1032868
DateDec 01, 2020
InstrumentT1032868
Lender
NameNATIONAL BK/CMRC
AddressSUPERIOR, WI 54880
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 30, 2035

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4802 OTSEGO ST, DULUTH, MN 55804-1646
Document Number00T1016424
Instrument DateOct 11, 2019
Transaction TypeMortgage
Record UpdatedDec 16, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address4802 OTSEGO ST DULUTH MN 558041646, DULUTH, MN 55804-1646

Mortgage

Document Number00T1016424
DateOct 18, 2019
InstrumentT1016424
Lender
NameWELLS FARGO BK
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 17, 2034

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityDuluth City
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$5,160.00 (+7.32%) Homeowner's exemption
2025$4,808.00 (+4.57%) Homeowner's exemption$386,100 (+6.42%) Land $47,800 Building $338,300$386,100 (+6.42%) Land $47,800 Building $338,300
2024$4,598.00$362,800 (+20.77%) Land $46,100 Building $316,700$362,800 (+20.77%) Land $46,100 Building $316,700
2022$300,400 Land $35,500 Building $264,900$300,400 Land $35,500 Building $264,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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