4920 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 4920 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 980 sqft · built 1953
Lot Size	0.16 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (May 2025)
Tax Bill	$3,170 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-01520`

Property Details

APN / Parcel Number

Primary APN	`010-0790-01520`
Alternative APNs	`1108662` `1182944`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	980 sqft Gross Area
1st Floor Area	980 sqft
Basement Area	373 sqft
Finished Basement	373 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	384 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1182944
Street Address	4920 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 152 AND 153 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	14
Legal Lot Number	152-153
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2023
Census Tract	200

Owner

4920 Otsego St is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4920 OTSEGO ST, DULUTH, MN 55804-1648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	May 28, 2025 · Amount on File
Deed Sale	May 28, 2025 · Amount on File
Prior Sale	May 11, 2021 · Amount on File
Deed Document Number	20251511017
Prior Transfer Date	Oct 9, 2009
Prior Transfer Doc	0001120854
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 11, 2021
Property Address	4920 OTSEGO ST, DULUTH, MN 55804-1648
Document Number	0001413469
Instrument Date	Apr 30, 2021
Instrument	1413469
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$755.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4920 OTSEGO ST, DULUTH, MN 55804-1648

Mortgage

Document Number	0001413470
Date	May 11, 2021
Instrument	1413470

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 4920 Otsego St was $3,170 with a homeowner's exemption, up 7.2% 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	$3,170.00 (+7.24%) Homeowner's exemption
2025	$2,956.00 (+0.27%) Homeowner's exemption	$267,200 (+12.65%) Land $47,800 Building $219,400	$267,200 (+12.65%) Land $47,800 Building $219,400
2024	$2,948.00	$237,200 Land $46,200 Building $191,000	$237,200 Land $46,200 Building $191,000
2022		$204,800 Land $35,500 Building $169,300	$204,800 Land $35,500 Building $169,300

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

Flood

FEMA maps place 4920 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 4920 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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