St. Louis County property record for 4832 Otsego St, Duluth, MN 55804 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 756 sqft · built 1950 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,654 (2026) |
| Deeds & Mortgages | Jan 2019 Mortgage Jan 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0790-01420 |
| Primary APN | 010-0790-01420 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 756 sqft Gross Area |
| 1st Floor Area | 756 sqft |
| Basement Area | 378 sqft |
| Finished Basement | 378 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,000 sqft (0.16 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 | 9570 |
|---|---|
| Street Address | 4832 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 142 AND 143 SERIAL # |
| Legal Subdivision | CROSLEY PARK ADD TO DULUTH |
| Legal Block | 13 |
| Legal Lot Number | 142-143 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-0790-01420
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 4832 OTSEGO ST, DULUTH, MN 55804-1646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 03, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jan 03, 2019 | Loan Modification, Mortgage · Conventional Mortgage US BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4832 OTSEGO ST, DULUTH, MN 55804-1646 |
| Document Number | 00T1007482 |
| Instrument Date | Jan 03, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 4832 OTSEGO ST DULUTH MN 558041646, DULUTH, MN 55804-1646 |
| Document Number | 00T1007482 |
|---|---|
| Date | Feb 01, 2019 |
| Instrument | T1007482 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4832 OTSEGO ST, DULUTH, MN 55804-1646 |
| Document Number | 0001007863 |
| Instrument Date | Jan 03, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 4832 OTSEGO ST DULUTH MN 558041646, DULUTH, MN 55804-1646 |
| Document Number | 0001007863 |
|---|---|
| Date | Feb 13, 2019 |
| Instrument | 1007863 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 12, 2049 |
| Rate | 4.87% |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,654.00 (+7.1%) Homeowner's exemption | ||
| 2025 | $2,478.00 (-0.32%) Homeowner's exemption | $217,200 (+6.11%) Land $47,800 Building $169,400 | $217,200 (+6.11%) Land $47,800 Building $169,400 |
| 2024 | $2,486.00 | $204,700 (+15.65%) Land $46,100 Building $158,600 | $204,700 (+15.65%) Land $46,100 Building $158,600 |
| 2022 | $177,000 Land $35,500 Building $141,500 | $177,000 Land $35,500 Building $141,500 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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