St. Louis County property record for 4902 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1950 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Jan 2024) |
| Tax Bill | $3,010 (2026) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0790-01440 |
| Primary APN | 010-0790-01440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Gross Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 441 sqft |
| Finished Basement | 441 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 | 336 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 32 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1161654 |
|---|---|
| Street Address | 4902 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 144 AND 145 SERIAL # |
| Legal Subdivision | CROSLEY PARK ADD TO DULUTH |
| Legal Block | 14 |
| Legal Lot Number | 144-145 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 200 |
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 | 4902 OTSEGO ST, DULUTH, MN 55804-1648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2024 · Amount on Record |
| Deed Sale | Jan 29, 2024 · Amount on Record |
| Deed Document Number | 20241482224 |
| Last Transfer Date | Mar 4, 2025 |
| Transfer Doc | 0001506168 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 29, 2024 |
| Property Address | 4902 OTSEGO ST, DULUTH, MN 55804-1648 |
| Document Number | 0001482224 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 1482224 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | NOT AVAILABLE, THE TITLE TEAM NORTH SHORE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4902 OTSEGO ST, DULUTH, MN 55804-1648 |
| Document Number | 0001482225 |
|---|---|
| Date | Jan 29, 2024 |
| Instrument | 1482225 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,010.00 (+7.96%) Homeowner's exemption | ||
| 2025 | $2,788.00 (+3.18%) Homeowner's exemption | $241,100 (+6.78%) Land $47,800 Building $193,300 | $241,100 (+6.78%) Land $47,800 Building $193,300 |
| 2024 | $225,800 (+14.79%) Land $46,100 Building $179,700 | $225,800 (+14.79%) Land $46,100 Building $179,700 | |
| 2023 | $2,702.00 Homeowner's exemption | ||
| 2022 | $196,700 Land $35,500 Building $161,200 | $196,700 Land $35,500 Building $161,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 507 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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