4911 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4911 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,052 sqft · built 1953
Lot Size	0.273 acres (11,900 sqft)
Owner	Individual Name on File
Last Sale	$352,000 (Jan 2022)
Tax Bill	$5,340 (2026)
Deeds & Mortgages	Mar 2026 Transfer Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-02115`

Property Details

APN / Parcel Number

Primary APN	`010-0790-02115`
Alternative APN	`1124363`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,052 sqft Gross Area
1st Floor Area	1,052 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	11,900 sqft (0.273 acres)
Garage Type	Mixed
Garage Area	808 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	168 sqft
Deck Area	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1124363
Street Address	4911 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 211 EX ELY 15 FT AND ALL OF LOTS 212213 AND 214 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	19
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2008
Census Tract	200

Owner

4911 Otsego St is owned and occupied by an individual who acquired it in March 2026.

Source: St. Louis County records, as of August 17, 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	Individual Name on File
Mailing Address	4911 OTSEGO ST, DULUTH, MN 55804-1649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Transfer on Death Deed, Transfer
Jan 10, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CAPITAL OF MN INC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/CMRC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2022 · Amount on File
Deed Sale	Jan 10, 2022 · Amount on File
Prior Sale	Oct 30, 2014 · Amount on File
Deed Document Number	20221051954
Last Transfer Date	Mar 26, 2026
Transfer Doc	0001099958
Record Updated	Sep 20, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 26, 2026
Property Address	4911 OTSEGO ST, DULUTH, MN 55804-1649
Document Number	0001099958
Instrument Date	Mar 26, 2026
Instrument	1099958
Transaction Type	Transfer
Record Updated	Apr 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 10, 2022
Property Address	4911 OTSEGO ST, DULUTH, MN 55804-1649
Document Number	0001051954
Instrument Date	Dec 30, 2021
Instrument	1051954
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4911 OTSEGO ST, DULUTH, MN 55804-1649

Mortgage

Document Number	0001051955
Date	Jan 10, 2022
Instrument	1051955

Lender

Name	MORTGAGE CAPITAL OF MN INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4911 OTSEGO ST, DULUTH, MN 55804-1649
Document Number	00T1025422
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4911 OTSEGO ST DULUTH MN 558041649, DULUTH, MN 55804-1649

Mortgage

Document Number	00T1025422
Date	Jul 6, 2020
Instrument	T1025422

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 5, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 4911 Otsego St was $5,340 with a homeowner's exemption, up 7.1% 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	$5,340.00 (+7.14%) Homeowner's exemption
2025	$4,984.00 (-1.85%) Homeowner's exemption	$398,500 (+6.35%) Land $61,300 Building $337,200	$398,500 (+6.35%) Land $61,300 Building $337,200
2024	$5,078.00	$374,700 Land $59,100 Building $315,600	$374,700 Land $59,100 Building $315,600
2022		$333,500 Land $45,500 Building $288,000	$333,500 Land $45,500 Building $288,000

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

Flood

FEMA maps place 4911 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 4911 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.

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