4917 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4917 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,216 sqft · built 1953
Lot Size	0.225 acres (9,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Nov 2019)
Tax Bill	$3,378 (2026)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-02085`

Property Details

APN / Parcel Number

Primary APN	`010-0790-02085`
Alternative APN	`1080537`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,216 sqft Gross Area
1st Floor Area	1,030 sqft
Basement Area	530 sqft
Finished Basement	530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	9,800 sqft (0.225 acres)
Garage Area	294 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	77 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1080537
Street Address	4917 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WLY 5 FT OF LOT 208 ALL OF LOTS 209 AND210 AND ELY 15 FT OF LOT 211 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION TO DULUTH
Legal Block	19
Legal Lot Number	208-211
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2008
Census Tract	200

Owner

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	2 Individual Names on Record
Mailing Address	4917 OTSEGO ST, DULUTH, MN 55804-1649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2019 · Amount on Record
Deed Sale	Nov 4, 2019 · Amount on Record
Prior Sale	Mar 7, 2013 · Amount on Record
Deed Document Number	20191017011
Prior Transfer Date	Oct 2, 2007
Prior Transfer Doc	0000845140
Record Updated	Sep 20, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 4, 2019
Property Address	4917 OTSEGO ST, DULUTH, MN 55804-1649
Document Number	00T1017011
Instrument Date	Oct 31, 2019
Instrument	T1017011
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
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	4917 OTSEGO ST DULUTH MN 558041649, DULUTH, MN 55804-1649

Mortgage

Document Number	1017012
Date	Nov 4, 2019
Instrument	1017012

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2049

Tax Assessment & Valuation

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	$3,378.00 (+7.17%) Homeowner's exemption
2025	$3,152.00 (-0.19%) Homeowner's exemption	$272,400 (+8.74%) Land $55,500 Building $216,900	$272,400 (+8.74%) Land $55,500 Building $216,900
2024	$3,158.00	$250,500 (+15.17%) Land $53,600 Building $196,900	$250,500 (+15.17%) Land $53,600 Building $196,900
2022		$217,500 Land $41,200 Building $176,300	$217,500 Land $41,200 Building $176,300

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

Flood

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

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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