4803 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4803 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,032 sqft · built 1951
Lot Size	0.192 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$242,500 (Jul 2019)
Tax Bill	$4,188 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-2950-00985`

Property Details

APN / Parcel Number

Primary APN	`010-2950-00985`
Alternative APN	`1074470`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,032 sqft Gross Area
1st Floor Area	1,032 sqft
Basement Area	460 sqft
Finished Basement	460 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,400 sqft (0.192 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	25 sqft
Patio Area	170 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1074470
Street Address	4803 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WLY 10 FT OF LOT 15 AND ALL OF LOT 16 SERIAL #
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	7
Legal Lot Number	15-16
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4008
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	4803 OTSEGO ST, DULUTH, MN 55804-1647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK
Aug 4, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2019 · Amount on Record
Deed Sale	Jul 24, 2019 · Amount on Record
Prior Sale	Jul 24, 2013 · Amount on Record
Deed Document Number	20191012816
Record Updated	Sep 20, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 24, 2019
Property Address	4803 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	00T1012816
Instrument Date	Jul 19, 2019
Instrument	T1012816
Transaction Type	Transfer
Record Updated	Aug 2, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4803 OTSEGO ST DULUTH MN 558041647, DULUTH, MN 55804-1647

Mortgage

Document Number	T1012817
Date	Jul 24, 2019
Instrument	T1012817

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4803 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	000T989043
Instrument Date	Aug 4, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4803 OTSEGO ST DULUTH MN 558041647, DULUTH, MN 55804-1647

Mortgage

Document Number	000T989043
Date	Aug 24, 2017
Instrument	T989043

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2047

Interest

Rate Type	Adjustable Rate

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	$4,188.00 (+6.67%)
2025	$3,926.00 (+14.39%)	$303,900 (+6.37%) Land $51,700 Building $252,200	$303,900 (+6.37%) Land $51,700 Building $252,200
2024	$3,432.00	$285,700 (+28.52%) Land $49,900 Building $235,800	$285,700 (+28.52%) Land $49,900 Building $235,800
2022		$222,300 Land $38,400 Building $183,900	$222,300 Land $38,400 Building $183,900

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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