St. Louis County property record for 4811 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,180 sqft · built 1951 |
| Lot Size | 0.274 acres (11,957 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,156 (2026) |
| Deeds & Mortgages | Sep 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2950-00960 |
| Primary APN | 010-2950-00960 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,180 sqft Gross Area |
| 1st Floor Area | 1,180 sqft |
| Basement Area | 590 sqft |
| Finished Basement | 590 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 11,957 sqft (0.274 acres) |
| Garage Area | 528 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 108 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 29916 |
|---|---|
| Street Address | 4811 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 AND ELY 30 FT OF LOT 14 INC WLY16 27/100 FT OF LOT 225 BLK 20 CROSLEYPK SERIAL # |
| Legal Subdivision | LOEBS ADD TO LAKESIDE DULUTH |
| Legal Block | 7 |
| Legal Lot Number | 14 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 600 |
4811 Otsego St is owned and occupied by an individual.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4811 OTSEGO ST, DULUTH, MN 55804-1647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 11, 2023 |
| Property Address | 4811 OTSEGO ST, DULUTH, MN 55804-1647 |
| Document Number | 0001072153 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 1072153 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 4811 Otsego St was $4,156 with a homeowner's exemption, up 7.1% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,156.00 (+7.11%) Homeowner's exemption | ||
| 2025 | $3,880.00 Homeowner's exemption | $318,500 (+6.24%) Land $61,400 Building $257,100 | $318,500 (+6.24%) Land $61,400 Building $257,100 |
| 2024 | $299,800 Land $59,300 Building $240,500 | $299,800 Land $59,300 Building $240,500 | |
| 2023 | $3,620.00 Homeowner's exemption | ||
| 2022 | $253,600 Land $45,600 Building $208,000 | $253,600 Land $45,600 Building $208,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4811 Otsego St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 risk around 4811 Otsego St is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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