4906 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4906 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 960 sqft · built 1950
Lot Size	0.16 acres (7,000 sqft)
Owner	2 Trust Names on File
Last Sale	$190,000 (Mar 2019)
Tax Bill	$4,440 (2026)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-01460`

Property Details

APN / Parcel Number

Primary APN	`010-0790-01460`
Alternative APNs	`1067466` `1179845`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	768 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	576 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1179845
Street Address	4906 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 146 AND 147 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION
Legal Block	14
Legal Lot Number	146-147
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2023
Census Tract	200

Owner

4906 Otsego St is owner-occupied and held in a trust since March 2025.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4906 OTSEGO ST, DULUTH, MN 55804-1648
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2019 · Amount on File
Deed Sale	Mar 14, 2019 · Amount on File
Prior Sale	Dec 8, 2010 · Amount on File
Deed Document Number	20191351657
Last Transfer Date	Mar 7, 2025
Transfer Doc	0001506258
Record Updated	Sep 20, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 14, 2019
Property Address	4906 OTSEGO ST, DULUTH, MN 55804-1648
Document Number	00A1351657
Instrument Date	Mar 14, 2019
Instrument	A1351657
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4906 OTSEGO ST DULUTH MN 558041648, DULUTH, MN 55804-1648

Mortgage

Document Number	A1351658
Date	Mar 14, 2019
Instrument	A1351658

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4906 Otsego St was $4,440 with a homeowner's exemption, up 7.3% 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	$4,440.00 (+7.3%) Homeowner's exemption
2025	$4,138.00 (-1.05%) Homeowner's exemption	$337,700 (+6.43%) Land $47,800 Building $289,900	$337,700 (+6.43%) Land $47,800 Building $289,900
2024	$4,182.00	$317,300 Land $46,200 Building $271,100	$317,300 Land $46,200 Building $271,100
2022		$278,500 Land $35,500 Building $243,000	$278,500 Land $35,500 Building $243,000

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

Flood

FEMA maps place 4906 Otsego St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 4906 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 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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