5002 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5002 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,454 sqft · built 1923
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$253,939 (Aug 2015)
Tax Bill	$5,308 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0790-01600`

Property Details

APN / Parcel Number

Primary APN	`010-0790-01600`
Alternative APN	`992463`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,454 sqft Gross Area
1st Floor Area	879 sqft
Basement Area	879 sqft
Finished Basement	879 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	7,000 sqft (0.16 acres)
Garage Area	528 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	56 sqft
Deck Area	21 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	992463
Street Address	5002 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 160 AND 161 SERIAL #
Legal Subdivision	CROSLEY PARK ADD TO DULUTH
Legal Block	15
Legal Lot Number	160-161
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2022
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	Individual Name on Record
Mailing Address	5002 OTSEGO ST, DULUTH, MN 55804-1650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Line of Credit HERMANTOWN FCU
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2015 · Amount on Record
Deed Sale	Aug 10, 2015 · Amount on Record
Prior Sale	Sep 5, 2012 · Amount on Record
Deed Document Number	2015960775
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5002 OTSEGO ST, DULUTH, MN 55804-1650
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001051083
Date	Dec 17, 2021
Instrument	1051083

Lender

Name	HERMANTOWN FCU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5002 OTSEGO ST, DULUTH, MN 55804-1650
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036975
Date	Feb 24, 2021
Instrument	1036975

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2046

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	$5,308.00 (+7.32%) Homeowner's exemption
2025	$4,946.00 (-0.56%) Homeowner's exemption	$396,500 (+6.56%) Land $47,100 Building $349,400	$396,500 (+6.56%) Land $47,100 Building $349,400
2024	$4,974.00	$372,100 (+11.27%) Land $45,400 Building $326,700	$372,100 (+11.27%) Land $45,400 Building $326,700
2022		$334,400 Land $35,000 Building $299,400	$334,400 Land $35,000 Building $299,400

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 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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