4828 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4828 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,036 sqft · built 1955
Lot Size	0.16 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,000 (Apr 2026)
Tax Bill	$3,282 (2026)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-01400`

Property Details

APN / Parcel Number

Primary APN	`010-0790-01400`
Alternative APNs	`1195708` `782558`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,036 sqft Gross Area
1st Floor Area	1,036 sqft
Basement Area	518 sqft
Finished Basement	518 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	352 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1195708
Street Address	4828 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 140 AND 141 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	13
Legal Lot Number	140-141
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4828 OTSEGO ST, DULUTH, MN 55804-1646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Affidavit, Transfer
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Deed Document Number	20261100376
Prior Transfer Date	Mar 5, 2025
Prior Transfer Doc	0001088064
Record Updated	Sep 20, 2026

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ST LOUIS MN
Recording Date	Apr 10, 2026
Property Address	4828 OTSEGO ST, DULUTH, MN 55804-1646
Document Number	0001100375
Instrument Date	Apr 10, 2026
Instrument	20261100375
Transaction Type	Transfer
Record Updated	Aug 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 10, 2026
Property Address	4828 OTSEGO ST, DULUTH, MN 55804-1646
Document Number	0001100376
Instrument Date	Mar 20, 2026
Instrument	20261100376
Transaction Type	Transfer
Record Updated	Aug 19, 2026
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,992.40
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	4828 OTSEGO ST, DULUTH, MN 55804-1646

Mortgage

Document Number	0001100376,
Date	Apr 10, 2026
Instrument	20261100376

Lender

Name	NATIONAL COMMERCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

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	$3,282.00 (+7.18%) Homeowner's exemption
2025	$3,062.00 (-0.71%) Homeowner's exemption	$259,500 (+6.18%) Land $47,800 Building $211,700	$259,500 (+6.18%) Land $47,800 Building $211,700
2024	$3,084.00	$244,400 (+14.69%) Land $46,200 Building $198,200	$244,400 (+14.69%) Land $46,200 Building $198,200
2022		$213,100 Land $35,500 Building $177,600	$213,100 Land $35,500 Building $177,600

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.

Nearby Properties on Otsego St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures