4910 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4910 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,120 sqft · built 1950
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Aug 2025)
Tax Bill	$3,470 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-01480`

Property Details

APN / Parcel Number

Primary APN	`010-0790-01480`
Alternative APNs	`1084476` `1186705`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,120 sqft Gross Area
1st Floor Area	920 sqft
Basement Area	472 sqft
Finished Basement	472 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	45 sqft
Deck Area	112 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1186705
Street Address	4910 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 148 AND 149 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION
Legal Block	14
Legal Lot Number	148-149
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2023
Census Tract	200

Owner

4910 Otsego St is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	368 N BIERMAN AVE, VILLA PARK, IL 60181-1951
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Oct 1, 2020	Deed of Trust, Mortgage · VA Mortgage HANCOCK MTG PTRS
Jan 17, 2020	Warranty Deed, Transfer · VA Mortgage HANCOCK MTG PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2025 · Amount on File
Deed Sale	Aug 19, 2025 · Amount on File
Prior Sale	Jan 17, 2020 · Amount on File
Deed Document Number	20251516450
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4910 OTSEGO ST, DULUTH, MN 55804-1648
Document Number	00A1393605
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4910 OTSEGO ST DULUTH MN 558041648, DULUTH, MN 55804-1648

Mortgage

Document Number	00A1393605
Date	Oct 20, 2020
Instrument	A1393605

Lender

Name	HANCOCK MTG PTRS
Type	Mortgage Company
Address	SUGAR LAND, TX 77478

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 17, 2020
Property Address	4910 OTSEGO ST, DULUTH, MN 55804-1648
Document Number	00A1371686
Instrument Date	Jan 7, 2020
Instrument	A1371686
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$677.00
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	4910 OTSEGO ST DULUTH MN 558041648, DULUTH, MN 55804-1648

Mortgage

Document Number	A1371687
Date	Jan 17, 2020
Instrument	A1371687

Lender

Name	HANCOCK MTG PTRS
Type	Mortgage Company
Address	SUGAR LAND, TX 77478

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4910 Otsego St was $3,470 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	$3,470.00 (+7.3%) Homeowner's exemption
2025	$3,234.00 (-0.55%) Homeowner's exemption	$278,000 (+8.59%) Land $47,800 Building $230,200	$278,000 (+8.59%) Land $47,800 Building $230,200
2024	$3,252.00	$256,000 Land $46,200 Building $209,800	$256,000 Land $46,200 Building $209,800
2022		$223,300 Land $35,500 Building $187,800	$223,300 Land $35,500 Building $187,800

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

Flood

FEMA maps place 4910 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 4910 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.

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