4825 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4825 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 756 sqft · built 1950
Lot Size	0.2 acres (8,750 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Sep 2026)
Tax Bill	$3,082 (2026)
Deeds & Mortgages	Sep 2026 Sale Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-02205`

Property Details

APN / Parcel Number

Primary APN	`010-0790-02205`
Alternative APN	`1098802`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	756 sqft Gross Area
1st Floor Area	756 sqft
Basement Area	220 sqft
Finished Basement	220 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,750 sqft (0.2 acres)
Garage Area	576 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1098802
Street Address	4825 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOT 220 AND ALL LOTS 221 AND222 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION
Legal Block	20
Legal Lot Number	220-222
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	4
Census Block	4008
Census Tract	600

Owner

4825 Otsego St is owned and occupied by two individuals who bought it in September 2026.

Source: St. Louis County records, as of October 12, 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	2 Individual Names on File
Mailing Address	4825 OTSEGO ST, DULUTH, MN 55804-1647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Warranty Deed, Transfer TITLE TEAM LLC, TITLE TEAM
Sep 27, 2019	Warranty Deed, Transfer RESULTS TITLE
Nov 16, 2018	Warranty Deed, Transfer NORTH SHORE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on File
Deed Sale	Sep 28, 2026 · Amount on File
Prior Sale	Sep 27, 2019 · Amount on File
Deed Document Number	20261106432
Prior Transfer Date	Aug 26, 2010
Prior Transfer Doc	0000889284
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 28, 2026
Property Address	4825 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	0001106432
Instrument Date	Sep 17, 2026
Instrument	20261106432
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transaction

Amount	Amount on Record
Tax	$82,991.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4825 OTSEGO ST, DULUTH, MN 55804-1647

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 27, 2019
Property Address	4825 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	00T1015585
Instrument Date	Sep 19, 2019
Instrument	T1015585
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Tax	$462.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4825 OTSEGO ST DULUTH MN 558041647, DULUTH, MN 55804-1647

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 16, 2018
Property Address	4825 OTSEGO ST, DULUTH, MN 55804-1647
Document Number	0001005074
Instrument Date	Nov 14, 2018
Instrument	1005074
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$295.35
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4825 OTSEGO ST DULUTH MN 558041647, DULUTH, MN 55804-1647

Tax Assessment & Valuation

The 2026 property tax bill for 4825 Otsego St was $3,082, up 6.4% from the year before.

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	$3,082.00 (+6.42%)
2025	$2,896.00 (+7.1%)	$222,800 (+6.04%) Land $52,600 Building $170,200	$222,800 (+6.04%) Land $52,600 Building $170,200
2024	$2,704.00	$210,100 Land $50,800 Building $159,300	$210,100 Land $50,800 Building $159,300
2022		$171,300 Land $39,100 Building $132,200	$171,300 Land $39,100 Building $132,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4825 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

Wildfire risk around 4825 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.

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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