St. Louis County property record for 4808 Otsego St, Duluth, MN 55804 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,346 sqft · built 1951 |
| Lot Size | 0.218 acres (9,520 sqft) |
| Owner | Individual Name on File |
| Last Sale | $173,000 (Jun 2014) |
| Tax Bill | $3,968 (2026) |
| Deeds & Mortgages | Apr 2020 Loan Modification Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-02650 |
| Primary APN | 010-2950-02650 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,346 sqft Gross Area |
| 1st Floor Area | 986 sqft |
| Basement Area | 739 sqft |
| Finished Basement | 739 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 9,520 sqft (0.218 acres) |
| Garage Area | 264 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 18 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1035466 |
|---|---|
| Street Address | 4808 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 AND WLY 18 FT OF LOT 3 SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 18 |
| Legal Lot Number | 2-3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-2950-02650
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 4808 OTSEGO ST, DULUTH, MN 55804-1646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 01, 2020 | Loan Modification, Mortgage · Conventional with PMI US BK |
| Mar 31, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Aug 07, 2017 | Warranty Deed, Transfer · FHA Mortgage US BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 13, 2014 · Amount on Record |
| Deed Sale | Jun 13, 2014 · Amount on Record |
| Prior Sale | Sep 29, 2010 · Amount on Record |
| Deed Document Number | 2014945313 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4808 OTSEGO ST, DULUTH, MN 55804-1646 |
| Document Number | 00T1022267 |
| Instrument Date | Apr 01, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4808 OTSEGO ST DULUTH MN 558041646, DULUTH, MN 55804-1646 |
| Document Number | 00T1022267 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | T1022267 |
| Name | US BK |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 09, 2050 |
| Rate | 4% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4808 OTSEGO ST, DULUTH, MN 55804-1646 |
| Document Number | 00T1022141 |
| Instrument Date | Mar 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4808 OTSEGO ST DULUTH MN 558041646, DULUTH, MN 55804-1646 |
| Document Number | 00T1022141 |
|---|---|
| Date | Apr 08, 2020 |
| Instrument | T1022141 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 07, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 07, 2017 |
| Property Address | 4808 OTSEGO ST, DULUTH, MN 55804-1646 |
| Document Number | 000T988256 |
| Instrument Date | Jul 20, 2017 |
| Instrument | T988256 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2017 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $676.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4808 OTSEGO ST DULUTH MN 558041646, DULUTH, MN 55804-1646 |
| Document Number | T988257 |
|---|---|
| Date | Aug 07, 2017 |
| Instrument | T988257 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 06, 2047 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,968.00 (+7.24%) Homeowner's exemption | ||
| 2025 | $3,700.00 (-4.34%) Homeowner's exemption | $305,900 (+6.33%) Land $54,800 Building $251,100 | $305,900 (+6.33%) Land $54,800 Building $251,100 |
| 2024 | $3,868.00 | $287,700 (+10.53%) Land $52,800 Building $234,900 | $287,700 (+10.53%) Land $52,800 Building $234,900 |
| 2022 | $260,300 Land $40,700 Building $219,600 | $260,300 Land $40,700 Building $219,600 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370006004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 507 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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