4824 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4824 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,038 sqft · built 1952
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jan 2022)
Tax Bill	$3,524 (2026)
Deeds & Mortgages	Jan 2022 Transfer Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-01380`

Property Details

APN / Parcel Number

Primary APN	`010-0790-01380`
Alternative APN	`1124222`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,038 sqft Gross Area
1st Floor Area	1,038 sqft
Basement Area	260 sqft
Finished Basement	260 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	352 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	40 sqft
Deck Area	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1124222
Street Address	4824 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 138 AND 139 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	13
Legal Lot Number	138-139
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4012
Census Tract	600

Owner

Source: St. Louis County records, as of August 20, 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	4824 OTSEGO ST, DULUTH, MN 55804-1646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Affidavit of Death of Joint Tenant, Transfer
Jan 10, 2022	Warranty Deed, Transfer · Conventional Mortgage REGENT FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2022 · Amount on Record
Deed Sale	Jan 10, 2022 · Amount on Record
Deed Document Number	20221051947
Record Updated	Sep 20, 2026

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Jan 10, 2022
Property Address	4824 OTSEGO ST, DULUTH, MN 55804-1646
Document Number	0001051946
Instrument Date	Jan 10, 2022
Instrument	1051946
Transaction Type	Transfer
Record Updated	Feb 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4824 OTSEGO ST, DULUTH, MN 55804-1646

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 10, 2022
Property Address	4824 OTSEGO ST, DULUTH, MN 55804-1646
Document Number	0001051947
Instrument Date	Dec 16, 2021
Instrument	1051947
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	NOT AVAILABLE, PIONEER TITLE TWIN PORTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4824 OTSEGO ST, DULUTH, MN 55804-1646

Mortgage

Document Number	0001051948
Date	Jan 10, 2022
Instrument	1051948

Lender

Name	REGENT FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

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	$3,524.00 (+7.31%) Homeowner's exemption
2025	$3,284.00 (+0.74%) Homeowner's exemption	$275,700 (+6.28%) Land $47,800 Building $227,900	$275,700 (+6.28%) Land $47,800 Building $227,900
2024	$3,260.00	$259,400 (+15.96%) Land $46,200 Building $213,200	$259,400 (+15.96%) Land $46,200 Building $213,200
2022		$223,700 Land $35,500 Building $188,200	$223,700 Land $35,500 Building $188,200

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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