4807 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4807 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,170 sqft · built 1951
Lot Size	0.192 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Sep 2023)
Tax Bill	$4,228 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-2950-00970`

Property Details

APN / Parcel Number

Primary APN	`010-2950-00970`
Alternative APNs	`1114779` `1154536`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,170 sqft Gross Area
1st Floor Area	810 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,400 sqft (0.192 acres)
Garage Area	384 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	240 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1154536
Street Address	4807 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 EX ELY 30 FT AND LOT 15 EX WLY 10FT SERIAL #
Legal Subdivision	LOEBS ADD TO LAKESIDE DULUTH
Legal Block	7
Legal Lot Number	14-15
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 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4807 OTSEGO ST, DULUTH, MN 55804-1647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Warranty Deed, Transfer · Commercial Mortgage SHARE ADVANTAGE CU
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Aug 11, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 22, 2019	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Feb 6, 2017	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2023 · Amount on Record
Deed Sale	Sep 12, 2023 · Amount on Record
Prior Sale	Aug 11, 2021 · Amount on Record
Deed Document Number	20231072195
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 12, 2023
Property Address	4807 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	0001072195
Instrument Date	Aug 31, 2023
Instrument	1072195
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$891.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4807 OTSEGO ST, DULUTH, MN 55804-1647

Mortgage

Document Number	0001072196
Date	Sep 12, 2023
Instrument	1072196

Lender

Name	SHARE ADVANTAGE CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2038

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4807 OTSEGO ST, DULUTH, MN 55804-1647
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001045039
Date	Aug 11, 2021
Instrument	1045039

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 11, 2021
Property Address	4807 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	0001045037
Instrument Date	Jul 23, 2021
Instrument	1045037
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4807 OTSEGO ST, DULUTH, MN 55804-1647

Mortgage

Document Number	0001045038
Date	Aug 11, 2021
Instrument	1045038

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4807 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	00T1014098
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4807 OTSEGO ST DULUTH MN 558041647, DULUTH, MN 55804-1647

Mortgage

Document Number	00T1014098
Date	Aug 22, 2019
Instrument	T1014098

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 21, 2029

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 6, 2017
Property Address	4807 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	000T981798
Instrument Date	Jan 27, 2017
Instrument	T981798
Transaction Type	Transfer
Record Updated	Feb 20, 2017
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$492.86
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4807 OTSEGO ST DULUTH MN 558041647, DULUTH, MN 55804-1647

Mortgage

Document Number	T981799
Date	Feb 6, 2017
Instrument	T981799

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 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	$4,228.00 (+11.85%)
2025	$3,780.00 (+40.42%)	$257,300 (+6.23%) Land $51,700 Building $205,600	$257,300 (+6.23%) Land $51,700 Building $205,600
2024		$242,200 (+23.51%) Land $49,900 Building $192,300	$242,200 (+23.51%) Land $49,900 Building $192,300
2023	$2,692.00 Homeowner's exemption
2022		$196,100 Land $38,400 Building $157,700	$196,100 Land $38,400 Building $157,700

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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