4817 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4817 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,194 sqft · built 1927
Lot Size	0.23 acres (10,060 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Mar 2022)
Tax Bill	$3,908 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-02230`

Property Details

APN / Parcel Number

Primary APN	`010-0790-02230`
Alternative APN	`1127277`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,194 sqft Gross Area
1st Floor Area	1,194 sqft
Basement Area	342 sqft
Finished Basement	342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	10,060 sqft (0.23 acres)
Garage Type	Basement

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	32 sqft
Deck Area	144 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1127277
Street Address	4817 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL OF LOTS 223 AND 224 AND LOT 225 EXWLY 16 27/100 FT SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	20
Legal Lot Number	223-225
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	4817 OTSEGO ST, DULUTH, MN 55804-1647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
May 8, 2017	Warranty Deed, Transfer · FHA Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	May 8, 2017 · Amount on Record
Deed Document Number	20221054380
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 15, 2022
Property Address	4817 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	0001054380
Instrument Date	Mar 11, 2022
Instrument	1054380
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4817 OTSEGO ST, DULUTH, MN 55804-1647

Mortgage

Document Number	0001054381
Date	Mar 15, 2022
Instrument	1054381

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 8, 2017
Property Address	4817 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	000T984645
Instrument Date	Apr 28, 2017
Instrument	T984645
Transaction Type	Transfer
Record Updated	Jun 21, 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	$511.00
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	4817 OTSEGO ST DULUTH MN 558041647, DULUTH, MN 55804-1647

Mortgage

Document Number	T984646
Date	May 8, 2017
Instrument	T984646

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 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	$3,908.00 (+7.19%) Homeowner's exemption
2025	$3,646.00 (+4.11%) Homeowner's exemption	$301,700 (+6.27%) Land $56,200 Building $245,500	$301,700 (+6.27%) Land $56,200 Building $245,500
2024	$3,502.00	$283,900 (+27.31%) Land $54,300 Building $229,600	$283,900 (+27.31%) Land $54,300 Building $229,600
2022		$223,000 Land $41,800 Building $181,200	$223,000 Land $41,800 Building $181,200

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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