St. Louis County property record for 4912 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,222 sqft · built 1951 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $136,000 (Jul 2015) |
| Tax Bill | $4,002 (2026) |
| Deeds & Mortgages | Dec 2019 Loan Modification Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0790-01500 |
| Primary APN | 010-0790-01500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,222 sqft Gross Area |
| 1st Floor Area | 824 sqft |
| Basement Area | 618 sqft |
| Finished Basement | 618 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| 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) |
|---|---|
| Porch | Porch |
| Porch Area | 48 sqft |
| Deck Area | 54 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 992074 |
|---|---|
| Street Address | 4912 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 150 AND 151 SERIAL # |
| Legal Subdivision | CROSLEY PARK ADD TO DULUTH |
| Legal Block | 14 |
| Legal Lot Number | 150-151 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 200 |
Source: St. Louis County records · APN 010-0790-01500
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 | 4912 OTSEGO ST, DULUTH, MN 55804-1648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Dec 18, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 14, 2015 · Amount on Record |
| Deed Sale | Jul 14, 2015 · Amount on Record |
| Deed Document Number | 20151264938 |
| Prior Transfer Date | Jun 18, 2015 |
| Prior Transfer Doc | 0001264937 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4912 OTSEGO ST, DULUTH, MN 55804-1648 |
| Document Number | 00A1372372 |
| Instrument Date | Dec 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4912 OTSEGO ST DULUTH MN 558041648, DULUTH, MN 55804-1648 |
| Document Number | 00A1372372 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | A1372372 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Rate | 3.62% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4912 OTSEGO ST, DULUTH, MN 55804-1648 |
| Document Number | 00A1370761 |
| Instrument Date | Dec 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4912 OTSEGO ST DULUTH MN 558041648, DULUTH, MN 55804-1648 |
| Document Number | 00A1370761 |
|---|---|
| Date | Jan 06, 2020 |
| Instrument | A1370761 |
| 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 05, 2050 |
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 | $4,002.00 (+6.66%) Homeowner's exemption | ||
| 2025 | $3,752.00 (-3.84%) Homeowner's exemption | $261,500 (+6.3%) Land $47,800 Building $213,700 | $261,500 (+6.3%) Land $47,800 Building $213,700 |
| 2024 | $3,902.00 | $246,000 (+10.22%) Land $46,200 Building $199,800 | $246,000 (+10.22%) Land $46,200 Building $199,800 |
| 2022 | $223,200 Land $35,500 Building $187,700 | $223,200 Land $35,500 Building $187,700 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Verizon.
Based on FCC filings for 424 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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